# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-25-117759
**Filing Date:** 2025-12
**Character Count:** 4624080
**Document Hash:** 771658359f845280ae16f8ac1cd2754f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-117759.hdr.sgml**: 20251202

**ACCESSION NUMBER**: 0001104659-25-117759

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

**PUBLIC DOCUMENT COUNT**: 71

**CONFORMED PERIOD OF REPORT**: 20251202

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

**FILED AS OF DATE**: 20251202

**DATE AS OF CHANGE**: 20251202

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921
- **FILM NUMBER:** 251543801

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

___________________ to ___________________

Date of Report (Date of earliest event reported) __________________________

Commission File Number of securitizer: __________________________

Central Index Key Number of securitizer: __________________________

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

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

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

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

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

Central Index Key Number of depositor: 0002083697

**Verus Securitization Trust 2025-12**

(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](tm2532423d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2532423d1_ex99-1.htm) |
| [99.2](tm2532423d1_ex99-2.htm) | [AMC Data Compare Report](tm2532423d1_ex99-2.htm) |
| [99.3](tm2532423d1_ex99-3.htm) | [AMC Exception Grades](tm2532423d1_ex99-3.htm) |
| [99.4](tm2532423d1_ex99-4.htm) | [AMC Rating Agency Grades](tm2532423d1_ex99-4.htm) |
| [99.5](tm2532423d1_ex99-5.htm) | [AMC QM-ATR Diligence Report](tm2532423d1_ex99-5.htm) |
| [99.6](tm2532423d1_ex99-6.htm) | [AMC Valuation Report](tm2532423d1_ex99-6.htm) |
| [99.7](tm2532423d1_ex99-7.htm) | [AMC Supplemental Data](tm2532423d1_ex99-7.htm) |
| [99.8](tm2532423d1_ex99-8.htm) | [AMC Tax and Title Report](tm2532423d1_ex99-8.htm) |
| [99.9](tm2532423d1_ex99-9.htm) | [AMC Multi Property Valuation Report](tm2532423d1_ex99-9.htm) |
| [99.10](tm2532423d1_ex99-10.htm) | [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2532423d1_ex99-10.htm) |
| [99.11](tm2532423d1_ex99-11.htm) | [Canopy Exceptions Report](tm2532423d1_ex99-11.htm) |
| [99.12](tm2532423d1_ex99-12.htm) | [Canopy Rating Agency Grades](tm2532423d1_ex99-12.htm) |
| [99.13](tm2532423d1_ex99-13.htm) | [Canopy Data Compare](tm2532423d1_ex99-13.htm) |
| [99.14](tm2532423d1_ex99-14.htm) | [Canopy ATR QM Report](tm2532423d1_ex99-14.htm) |
| [99.15](tm2532423d1_ex99-15.htm) | [Canopy Valuation Report](tm2532423d1_ex99-15.htm) |
| [99.16](tm2532423d1_ex99-16.htm) | [Clarifii LLC ("Clarifii") Executive Summary](tm2532423d1_ex99-16.htm) |
| [99.17](tm2532423d1_ex99-17.htm) | [Clarifii Rating Agency Grades Detail Report](tm2532423d1_ex99-17.htm) |
| [99.18](tm2532423d1_ex99-18.htm) | [Clarifii Rating Agency Grades Summary Report](tm2532423d1_ex99-18.htm) |
| [99.19](tm2532423d1_ex99-19.htm) | [Clarifii Data Compare Report](tm2532423d1_ex99-19.htm) |
| [99.20](tm2532423d1_ex99-20.htm) | [Clarifii ATR QM Report](tm2532423d1_ex99-20.htm) |
| [99.21](tm2532423d1_ex99-21.htm) | [Clarifii Valuation Report](tm2532423d1_ex99-21.htm) |
| [99.22](tm2532423d1_ex99-22.htm) | [Digital Risk, LLC ("Digital Risk") Executive Summary](tm2532423d1_ex99-22.htm) |
| [99.23](tm2532423d1_ex99-23.htm) | [Digital Risk Exception Report](tm2532423d1_ex99-23.htm) |
| [99.24](tm2532423d1_ex99-24.htm) | [Digital Risk Rating Agency Grades](tm2532423d1_ex99-24.htm) |
| [99.25](tm2532423d1_ex99-25.htm) | [Digital Risk Data Integrity Report](tm2532423d1_ex99-25.htm) |
| [99.26](tm2532423d1_ex99-26.htm) | [Digital Risk QM Status Report](tm2532423d1_ex99-26.htm) |
| [99.27](tm2532423d1_ex99-27.htm) | [Digital Risk Valuation Report](tm2532423d1_ex99-27.htm) |
| [99.28](tm2532423d1_ex99-28.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2532423d1_ex99-28.htm) |
| [99.29](tm2532423d1_ex99-29.htm) | [Clayton Conditions Report](tm2532423d1_ex99-29.htm) |
| [99.30](tm2532423d1_ex99-30.htm) | [Clayton Loan Level Tape Compare Upload](tm2532423d1_ex99-30.htm) |
| [99.31](tm2532423d1_ex99-31.htm) | [Clayton Non ATR QM Upload](tm2532423d1_ex99-31.htm) |
| [99.32](tm2532423d1_ex99-32.htm) | [Clayton Rating Agency Grades Report](tm2532423d1_ex99-32.htm) |
| [99.33](tm2532423d1_ex99-33.htm) | [Clayton Valuations Summary](tm2532423d1_ex99-33.htm) |
| [99.34](tm2532423d1_ex99-34.htm) | [Evolve Mortgage Services, LLC ("Evolve") Executive Summary](tm2532423d1_ex99-34.htm) |
| [99.35](tm2532423d1_ex99-35.htm) | [Evolve Exception Detail](tm2532423d1_ex99-35.htm) |
| [99.36](tm2532423d1_ex99-36.htm) | [Evolve Data Compare](tm2532423d1_ex99-36.htm) |
| [99.37](tm2532423d1_ex99-37.htm) | [Evolve QM ATR Data](tm2532423d1_ex99-37.htm) |
| [99.38](tm2532423d1_ex99-38.htm) | [Evolve Rating Agency Grades](tm2532423d1_ex99-38.htm) |
| [99.39](tm2532423d1_ex99-39.htm) | [Evolve Valuation Report](tm2532423d1_ex99-39.htm) |
| [99.40](tm2532423d1_ex99-40.htm) | [Selene Diligence LLC ("Selene") Due Diligence Review Narrative](tm2532423d1_ex99-40.htm) |
| [99.41](tm2532423d1_ex99-41.htm) | [Selene Rating Agency Grades Detail Report](tm2532423d1_ex99-41.htm) |
| [99.42](tm2532423d1_ex99-42.htm) | [Selene Rating Agency Grades Report](tm2532423d1_ex99-42.htm) |
| [99.43](tm2532423d1_ex99-43.htm) | [Selene Data Compare Report](tm2532423d1_ex99-43.htm) |
| [99.44](tm2532423d1_ex99-44.htm) | [Selene ATR QM Detail](tm2532423d1_ex99-44.htm) |
| [99.45](tm2532423d1_ex99-45.htm) | [Selene Valuations Report](tm2532423d1_ex99-45.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: December 2, 2025

---

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

---

## Exhibit 99.1

**EXHIBIT 99.1** 

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

![](tm2532423d1_ex99-1img01.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 November 2024 through November 2025 on Loans with origination dates from October 2023 through October 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained four hundred nine (409) Loans totaling an aggregate original principal balance of approximately $209.912 million (the "Loans").

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

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

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

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

---

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

![](tm2532423d1_ex99-1img01.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 ninety-three (193) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, six (6) Loans utilized twenty-four (24) or more months of bank statements, sixty-nine (69) Loans utilized twelve (12) through twenty-three (23) months of bank statements, nine (9) Loans utilized twenty-four (24) or more months of P&L income, and fifty (50) Loans utilized twelve (12) months of P&L income. There were four (4) Loans that were considered asset depletion loans. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with eleven (11) Loans only having 12 months of income verification.

There were two hundred sixteen (216) Loans that were considered Business Purpose/Property Focused Investor Loans. One hundred sixty-one (161) Loans were Property Focused Loans with DSCR calculation. The remaining fifty-five (55) Loans were considered Property Focused Loans with no DSCR calculation.

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

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

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

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

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

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

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

2 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

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

4 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

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

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

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

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

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

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:

5 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

**(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.

6 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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;

7 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

 

8 \| P a g e

 

![](tm2532423d1_ex99-1img01.jpg)

 

*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

---

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

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

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

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

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

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

9 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

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

 

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

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

 

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

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

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

10 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

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

11 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the four hundred nine (409) Loans reviewed under the applicable grading criteria, all four hundred nine (409) Loans or (100%) received an overall "A" or "B" grade.

12 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Overall Loan Grades** | &nbsp;&nbsp;**Kroll Overall Loan Grades** | &nbsp;&nbsp;**Kroll Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;296 | &nbsp;&nbsp;72.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;113 | &nbsp;&nbsp;27.63% |
| &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;**409** | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;295 | &nbsp;&nbsp;72.13% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;114 | &nbsp;&nbsp;27.87% |
| &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;**409** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the one hundred ninety-three (193) Loans reviewed for compliance under the applicable grading criteria, all one hundred ninety-three (193) Loans or (100%) received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Compliance Loan Grades** | &nbsp;&nbsp; **Compliance Loan Grades** | &nbsp;&nbsp; **Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;138 | &nbsp;&nbsp;71.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;55 | &nbsp;&nbsp;28.50% |
| &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;**193** | &nbsp;&nbsp;100.00% |

---

**CREDIT RESULTS SUMMARY**

All four hundred nine (409) Loans (100%) reviewed under the applicable grading criteria, received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;340 | &nbsp;&nbsp;83.13% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;69 | &nbsp;&nbsp;16.87% |
| &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;**409** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

**PROPERTY/VALUATION RESULTS SUMMARY**

All four hundred nine (409) Loans (100%) reviewed under the applicable grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Property Loan Grades** | &nbsp;&nbsp;**Kroll Property Loan Grades** | &nbsp;&nbsp;**Kroll Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;407 | &nbsp;&nbsp;99.51% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.49% |
| &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;**409** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;403 | &nbsp;&nbsp;98.53% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.47% |
| &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;**409** | &nbsp;&nbsp;**100.00%** |

---

**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;**Kroll Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***88*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**88** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Consumer Loan | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***91*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**91** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**181** |

---

14 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**S&P Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***88*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**88** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Consumer Loan | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***91*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**91** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**185** |

---

15 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the four hundred nine (409) Loans reviewed, three hundred thirty-four (334) unique Loans had eight hundred seventy-nine (879) different tape discrepancies across thirty-three (33) data fields (some Loans had more than one data delta). The largest variances were found on Original HLTV, Cash From Borrower and Borrower Last 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;6 | &nbsp;&nbsp;409 | &nbsp;&nbsp;1.47% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;9 | &nbsp;&nbsp;204 | &nbsp;&nbsp;4.41% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;406 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;35 | &nbsp;&nbsp;206 | &nbsp;&nbsp;16.99% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;270 | &nbsp;&nbsp;1.48% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;10 | &nbsp;&nbsp;176 | &nbsp;&nbsp;5.68% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;115 | &nbsp;&nbsp;409 | &nbsp;&nbsp;28.12% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;153 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;127 | &nbsp;&nbsp;198 | &nbsp;&nbsp;64.14% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;65 | &nbsp;&nbsp;76 | &nbsp;&nbsp;85.53% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;6 | &nbsp;&nbsp;409 | &nbsp;&nbsp;1.47% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;31 | &nbsp;&nbsp;9.68% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;31 | &nbsp;&nbsp;6.45% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;266 | &nbsp;&nbsp;1.13% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;186 | &nbsp;&nbsp;12.37% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;4 | &nbsp;&nbsp;400 | &nbsp;&nbsp;1.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;37 | &nbsp;&nbsp;5.41% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;67 | &nbsp;&nbsp;195 | &nbsp;&nbsp;34.36% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;277 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;23 | &nbsp;&nbsp;203 | &nbsp;&nbsp;11.33% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;158 | &nbsp;&nbsp;0.63% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;2 | &nbsp;&nbsp;71 | &nbsp;&nbsp;2.82% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;132 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;408 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;272 | &nbsp;&nbsp;2.21% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;189 | &nbsp;&nbsp;197 | &nbsp;&nbsp;95.94% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;409 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;409 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;278 | &nbsp;&nbsp;2.16% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;149 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;400 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;66 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;197 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;60 | &nbsp;&nbsp;398 | &nbsp;&nbsp;15.08% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;408 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;29 | &nbsp;&nbsp;408 | &nbsp;&nbsp;7.11% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;409 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;23 | &nbsp;&nbsp;409 | &nbsp;&nbsp;5.62% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;42 | &nbsp;&nbsp;164 | &nbsp;&nbsp;25.61% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;5 | &nbsp;&nbsp;409 | &nbsp;&nbsp;1.22% | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**879** | &nbsp;&nbsp;**10517** | &nbsp;&nbsp;**8.36%** | &nbsp;&nbsp;**409** |

---

16 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

**SitusAMC TITLE REVIEW SUMMARY (10 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on ten (10) Loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

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

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

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

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

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

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

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

17 \| P a g e

![](tm2532423d1_ex99-1img01.jpg)

**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;405 | &nbsp;&nbsp;99.02% | &nbsp;&nbsp;$206685221.00 | &nbsp;&nbsp;98.46% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;$3226999.00 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**409** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$209912220.00** | &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;402 | &nbsp;&nbsp;98.29% | &nbsp;&nbsp;$208652282.00 | &nbsp;&nbsp;99.40% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.71% | &nbsp;&nbsp;$1259938.00 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**409** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$209912220.00** | &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: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;163 | &nbsp;&nbsp;39.85% | &nbsp;&nbsp;$70401390.00 | &nbsp;&nbsp;33.54% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;40 | &nbsp;&nbsp;9.78% | &nbsp;&nbsp;$22019620.00 | &nbsp;&nbsp;10.49% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;176 | &nbsp;&nbsp;43.03% | &nbsp;&nbsp;$93353465.00 | &nbsp;&nbsp;44.47% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;30 | &nbsp;&nbsp;7.33% | &nbsp;&nbsp;$24137745.00 | &nbsp;&nbsp;11.50% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**409** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$209912220.00** | &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;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$350002.00 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$500000.00 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;399 | &nbsp;&nbsp;97.56% | &nbsp;&nbsp;$201788918.00 | &nbsp;&nbsp;96.13% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;$7273300.00 | &nbsp;&nbsp;3.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**409** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$209912220.00** | &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;223 | &nbsp;&nbsp;54.52% | &nbsp;&nbsp;$117340683.00 | &nbsp;&nbsp;55.90% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;39 | &nbsp;&nbsp;9.54% | &nbsp;&nbsp;$17111110.00 | &nbsp;&nbsp;8.15% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;$7877940.00 | &nbsp;&nbsp;3.75% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.73% | &nbsp;&nbsp;$1146430.00 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;73 | &nbsp;&nbsp;17.85% | &nbsp;&nbsp;$39695704.00 | &nbsp;&nbsp;18.91% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.69% | &nbsp;&nbsp;$2675325.00 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;29 | &nbsp;&nbsp;7.09% | &nbsp;&nbsp;$10349280.00 | &nbsp;&nbsp;4.93% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;$5163000.00 | &nbsp;&nbsp;2.46% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;$5655148.00 | &nbsp;&nbsp;2.69% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.49% | &nbsp;&nbsp;$1916750.00 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$980850.00 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**409** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$209912220.00** | &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;138 | &nbsp;&nbsp;33.74% | &nbsp;&nbsp;$92062622.00 | &nbsp;&nbsp;43.86% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;263 | &nbsp;&nbsp;64.30% | &nbsp;&nbsp;$112631399.00 | &nbsp;&nbsp;53.66% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;$5218199.00 | &nbsp;&nbsp;2.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**409** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$209912220.00** | &nbsp;&nbsp;**100.00%** |

---

18 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC Data Compare REPORT**

![](tm2532423d1_ex99-2img001.jpg)

**Data Compare**

**Run Date - 11/26/2025 7:33:46 AM**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 825208 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 825208 | xxxxxx | Cash From Borrower | 0.00 | 60898.35 | Verified | Field value reflects source document |
| xxxxxx | 825208 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 823512 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 823512 | xxxxxx | Cash To Borrower | 152000.00 | 140596.41 | Verified | Field value reflects source document |
| xxxxxx | 823512 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.667 | 30.81162 | Verified | Lender calculations for first lien P&I includes escrows. |
| xxxxxx | 823512 | xxxxxx | Original HLTV | 0 | 27.31036 | Verified | Field value reflects source document |
| xxxxxx | 838307 | xxxxxx | Cash From Borrower | 0.00 | 45123.27 | Verified | Field value reflects source document |
| xxxxxx | 838307 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.64 | 48.06468 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838307 | xxxxxx | Original HLTV | 0 | 95 | Verified | Field value reflects source document |
| xxxxxx | 840358 | xxxxxx | Cash From Borrower | 0.00 | 700.00 | Verified | Field value reflects source document |
| xxxxxx | 840358 | xxxxxx | Original HLTV | 0 | 34.1394 | Verified | Field value reflects source document |
| xxxxxx | 840884 | xxxxxx | Property Type | Condotel | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840884 | xxxxxx | Appraisal Effective Date | 2025-04-08 | 2024-04-08 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 840884 | xxxxxx | Cash From Borrower | 0.00 | 74735.71 | Verified | Field value reflects source document |
| xxxxxx | 840884 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.02 | 37.70992 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840884 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840898 | xxxxxx | Cash To Borrower | 327102.70 | 293239.77 | Verified | Field value reflects source document |
| xxxxxx | 840898 | xxxxxx | Original HLTV | 0 | 68.79433 | Verified | Field value reflects source document |
| xxxxxx | 838834 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 838834 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838834 | xxxxxx | Cash From Borrower | 0.00 | 118916.64 | Verified | Field value reflects source document |
| xxxxxx | 838834 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833690 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833690 | xxxxxx | Cash From Borrower | 0.00 | 265979.85 | Verified | Field value reflects source document |
| xxxxxx | 833690 | xxxxxx | Original HLTV | 0 | 60.86991 | Verified | Field value reflects source document |
| xxxxxx | 838615 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838615 | xxxxxx | Representative FICO | 803 | 813 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838615 | xxxxxx | Cash From Borrower | 0.00 | 70379.98 | Verified | Field value reflects source document |
| xxxxxx | 838615 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840661 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 840661 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840661 | xxxxxx | Cash To Borrower | 283500.00 | 260800.16 | Verified | Field value reflects source document |
| xxxxxx | 840661 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842452 | xxxxxx | Representative FICO | 743 | 788 | Verified | Highest wage earner |
| xxxxxx | 842452 | xxxxxx | Cash To Borrower | 72901.00 | 74229.78 | Verified | Field value reflects source document |
| xxxxxx | 842452 | xxxxxx | Original HLTV | 0 | 25.41296 | Verified | Field value reflects source document |
| xxxxxx | 842507 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842507 | xxxxxx | Cash From Borrower | 0.00 | 35695.20 | Verified | Field value reflects source document |
| xxxxxx | 842507 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 842434 | xxxxxx | Cash To Borrower | 98000.00 | 56191.92 | Verified | Field value reflects source document |
| xxxxxx | 842434 | xxxxxx | Original HLTV | 0 | 57.31667 | Verified | Field value reflects source document |
| xxxxxx | 841928 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 841928 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841928 | xxxxxx | Cash From Borrower | 0.00 | 255175.00 | Verified | Field value reflects source document |
| xxxxxx | 841928 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841855 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841855 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841855 | xxxxxx | Cash To Borrower | 400000.00 | 485523.56 | Verified | Field value reflects source document |
| xxxxxx | 841855 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838713 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838713 | xxxxxx | Cash To Borrower | 0.00 | 145263.12 | Verified | Field value reflects source document |
| xxxxxx | 838713 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 843671 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843670 | xxxxxx | Subject Debt Service Coverage Ratio | 1.58 | 1.65 | Verified | DSCR calculation -$8900.00/$5379.44=1.65. UTD what was used for bid tape values. |
| xxxxxx | 843406 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843322 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843409 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841966 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841966 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841966 | xxxxxx | Cash From Borrower | 0.00 | 64913.54 | Verified | Field value reflects source document |
| xxxxxx | 841966 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 843466 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843466 | xxxxxx | Representative FICO | 779 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843466 | xxxxxx | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843466 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 843466 | xxxxxx | Cash To Borrower | 1000000.00 | 981059.04 | Verified | Field value reflects source document |
| xxxxxx | 843466 | xxxxxx | Original HLTV | 0 | 38.40246 | Verified | Field value reflects source document |
| xxxxxx | 843552 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843552 | xxxxxx | Subject Debt Service Coverage Ratio | 1.53 | 1.43 | Verified | Market rent $3,175<br> PITIA: P & I $1,525.51, Taxes $416.94,<br> Hazard $268.17= $2,210.62<br> Used lessor of $3,175/2,210.62=1.43. |
| xxxxxx | 844105 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844105 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844105 | xxxxxx | Cash From Borrower | 0.00 | 91414.47 | Verified | Field value reflects source document |
| xxxxxx | 844105 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843344 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843666 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843855 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843855 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 843855 | xxxxxx | Cash To Borrower | 104524.04 | 107355.70 | Verified | Field value reflects source document |
| xxxxxx | 843855 | xxxxxx | Original HLTV | 0 | 60.81081 | Verified | Field value reflects source document |
| xxxxxx | 841649 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841649 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 841649 | xxxxxx | Cash From Borrower | 1008.69 | 1558.69 | Verified | Field value reflects source document |
| xxxxxx | 843033 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 843033 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843033 | xxxxxx | Cash To Borrower | 498990.77 | 425130.04 | Verified | Field value reflects source document |
| xxxxxx | 843033 | xxxxxx | Original HLTV | 0 | 68.87287 | Verified | Field value reflects source document |
| xxxxxx | 843620 | xxxxxx | Cash To Borrower | 45995.22 | 38981.44 | Verified | Field value reflects source document |
| xxxxxx | 843620 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 844559 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844559 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844559 | xxxxxx | Cash From Borrower | 0.00 | 319064.00 | Verified | Field value reflects source document |
| xxxxxx | 844559 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841907 | xxxxxx | Cash To Borrower | 66243.05 | 65005.58 | Verified | Field value reflects source document |
| xxxxxx | 841907 | xxxxxx | Original HLTV | 0 | 62.82818 | Verified | Field value reflects source document |
| xxxxxx | 840785 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 840785 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840785 | xxxxxx | Cash To Borrower | 500000.00 | 471782.09 | Verified | Field value reflects source document |
| xxxxxx | 840785 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845489 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845489 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 845489 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845489 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845489 | xxxxxx | Original CLTV | 37.32535 | 75.00006 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 845489 | xxxxxx | Original LTV | 37.32535 | 75.00006 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 845489 | xxxxxx | Cash From Borrower | 0.00 | 199104.02 | Verified | Field value reflects source document |
| xxxxxx | 845489 | xxxxxx | Original HLTV | 0 | 75.00006 | Verified | Field value reflects source document |
| xxxxxx | 841316 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841316 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841316 | xxxxxx | Cash From Borrower | 0.00 | 553930.82 | Verified | Field value reflects source document |
| xxxxxx | 841316 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 840723 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 840723 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840723 | xxxxxx | Cash To Borrower | 500000.00 | 478008.48 | Verified | Field value reflects source document |
| xxxxxx | 840723 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 836122 | xxxxxx | Cash To Borrower | 129787.14 | 111195.31 | Verified | Field value reflects source document |
| xxxxxx | 836122 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 837869 | xxxxxx | Cash To Borrower | 152455.00 | 146237.71 | Verified | Field value reflects source document |
| xxxxxx | 837869 | xxxxxx | Original HLTV | 0 | 64.84121 | Verified | Field value reflects source document |
| xxxxxx | 844402 | xxxxxx | Cash To Borrower | 150000.00 | 141042.76 | Verified | Field value reflects source document |
| xxxxxx | 844494 | xxxxxx | Subject Debt Service Coverage Ratio | 1.36 | 1.20 | Verified | DSCR variance: Rents $1800 / PITIA $1,490.51 = 1.20% |
| xxxxxx | 844486 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844495 | xxxxxx | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844495 | xxxxxx | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 844495 | xxxxxx | Subject Debt Service Coverage Ratio | 1.35 | 1.47 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| xxxxxx | 844496 | xxxxxx | Subject Debt Service Coverage Ratio | 1.31 | 1.19 | Verified | Calculated as per provided lease agreement and market rent. |
| xxxxxx | 844492 | xxxxxx | Subject Debt Service Coverage Ratio | 1.11 | 1.10 | Verified | Due to rounding. |
| xxxxxx | 844997 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844997 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 844997 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844997 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 844997 | xxxxxx | Cash From Borrower | 0.00 | 15632.23 | Verified | Field value reflects source document |
| xxxxxx | 844997 | xxxxxx | Original HLTV | 0 | 66.33429 | Verified | Field value reflects source document |
| xxxxxx | 845013 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845013 | xxxxxx | Representative FICO | 723 | 728 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 845018 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845017 | xxxxxx | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845017 | xxxxxx | # of Units | 1 | 3 | Verified | Field value reflects source document |
| xxxxxx | 845134 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845134 | xxxxxx | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845134 | xxxxxx | Subject Debt Service Coverage Ratio | 1.15 | 1.22 | Verified | Used lower lease rent $17,500 per guidelines. Unable to determine what was used to calculate the 1.15 DSCR reflected from tape data.<br> $17500.00/$14380.00=1.2169. |
| xxxxxx | 845024 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845021 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843278 | xxxxxx | Subject Debt Service Coverage Ratio | 1.35 | 0.88 | Verified | The lender used the higher lease amount to qualify the loan; however, the file does not contain the required 2 months rent receipt. |
| xxxxxx | 843256 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843256 | xxxxxx | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Rounding. |
| xxxxxx | 843387 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843401 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843380 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843390 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843399 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843399 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 843221 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843203 | xxxxxx | Representative FICO | 751 | 735 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843234 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Using the lower value between the 2 appraisals. |
| xxxxxx | 843679 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 843188 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843199 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843686 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843686 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 843686 | xxxxxx | Subject Debt Service Coverage Ratio | 1.28 | 1.23 | Verified | DSCR=$2,100/$1,709.54=1.23. Unable to use higher lease income without evidence of 2 months receipt. |
| xxxxxx | 843680 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843681 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843682 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843711 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843711 | xxxxxx | Representative FICO | 681 | 678 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843190 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843190 | xxxxxx | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Due to rounding. |
| xxxxxx | 845045 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845045 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Lender used list price from xxxxxx of xxxxxx, which was less than appraised value of xxxxxx. Borrower purchased the property in xxxxxx of xxxxxx. Using appraised value of xxxxxx |
| xxxxxx | 845005 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842718 | xxxxxx | Representative FICO | 773 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842718 | xxxxxx | Cash From Borrower | 0.00 | 49990.62 | Verified | Field value reflects source document |
| xxxxxx | 842718 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845799 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845799 | xxxxxx | Cash To Borrower | 349762.82 | 348866.83 | Verified | Field value reflects source document |
| xxxxxx | 845799 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845823 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845823 | xxxxxx | Cash To Borrower | 242157.62 | 241559.22 | Verified | Field value reflects source document |
| xxxxxx | 845823 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846425 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 846425 | xxxxxx | Cash From Borrower | 0.00 | 201114.04 | Verified | Field value reflects source document |
| xxxxxx | 846425 | xxxxxx | Original HLTV | 0 | 74.99928 | Verified | Field value reflects source document |
| xxxxxx | 846216 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846216 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 846216 | xxxxxx | Subject Debt Service Coverage Ratio | 0.98 | 1.05 | Verified | HOA fee added in PITIA, however underwriter not added HOA Expenses, so our DSCR is going high. |
| xxxxxx | 846210 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846210 | xxxxxx | Subject Debt Service Coverage Ratio | 0.93 | 0.92 | Verified | DSCR on UW worksheet matches field value at 0.92 |
| xxxxxx | 846218 | xxxxxx | Subject Debt Service Coverage Ratio | 1.06 | 1.24 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| xxxxxx | 846211 | xxxxxx | Subject Debt Service Coverage Ratio | 1.01 | 1.00 | Verified | DSCR on UW worksheet matches field value at 1.00 |
| xxxxxx | 846215 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846215 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846215 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 846215 | xxxxxx | Subject Debt Service Coverage Ratio | 0.97 | 0.90 | Verified | Lender used market rent |
| xxxxxx | 839886 | xxxxxx | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842906 | xxxxxx | Cash From Borrower | 0.00 | 65290.35 | Verified | Field value reflects source document |
| xxxxxx | 842906 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 843404 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843335 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843364 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843709 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843202 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843250 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 843690 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845033 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845081 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845030 | xxxxxx | Subject Debt Service Coverage Ratio | 0.81 | 0.76 | Verified | DSCR does not match the field value due to tax amount mismatch of $124.74 from Closing documents and $314.12 on Tax Cert. |
| xxxxxx | 845078 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845062 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845060 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845060 | xxxxxx | Representative FICO | 765 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 845120 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845120 | xxxxxx | Representative FICO | 765 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 845120 | xxxxxx | Subject Debt Service Coverage Ratio | 0.90 | 0.91 | Verified | Rounding. |
| xxxxxx | 843856 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843856 | xxxxxx | Cash To Borrower | 151728.00 | 151493.25 | Verified | Field value reflects source document |
| xxxxxx | 843856 | xxxxxx | Original HLTV | 0 | 51.47059 | Verified | Field value reflects source document |
| xxxxxx | 844228 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844228 | xxxxxx | Cash To Borrower | 0.00 | 2017.57 | Verified | Field value reflects source document |
| xxxxxx | 844228 | xxxxxx | Original HLTV | 0 | 58.57931 | Verified | Field value reflects source document |
| xxxxxx | 846214 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846214 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 846214 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 846214 | xxxxxx | Subject Debt Service Coverage Ratio | 1.86 | 1.31 | Verified | DSCR: $1,950.00 / $1,486.33 = 1.31 updated as per document. |
| xxxxxx | 844174 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844174 | xxxxxx | Cash To Borrower | 987816.01 | 987722.66 | Verified | Field value reflects source document |
| xxxxxx | 844174 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 841568 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841568 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841568 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841568 | xxxxxx | Cash From Borrower | 0.00 | 172873.10 | Verified | Field value reflects source document |
| xxxxxx | 841568 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.932 | 39.51604 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841568 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846370 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846370 | xxxxxx | Cash From Borrower | 0.00 | 151720.15 | Verified | Field value reflects source document |
| xxxxxx | 846370 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846213 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846213 | xxxxxx | Subject Debt Service Coverage Ratio | 1.25 | 1.47 | Verified | DSCR variance: 147% is correct per lender approval, lease rent $2000 / 1,359.72 = 147% |
| xxxxxx | 846212 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846212 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846212 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 846212 | xxxxxx | Subject Debt Service Coverage Ratio | 1.16 | 1.13 | Verified | DSCR: $5,950.00 / $5,262.96 = 1.13 does not match field value due to HOA fee $110.00 monthly. |
| xxxxxx | 846230 | xxxxxx | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846230 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 837377 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837377 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837377 | xxxxxx | Cash To Borrower | 226100.00 | 102365.76 | Verified | Field value reflects source document |
| xxxxxx | 837377 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846987 | xxxxxx | Cash To Borrower | 253915.79 | 252014.44 | Verified | Field value reflects source document |
| xxxxxx | 846987 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 846819 | xxxxxx | Cash To Borrower | 164977.00 | 160130.06 | Verified | Field value reflects source document |
| xxxxxx | 846819 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844398 | xxxxxx | Cash To Borrower | 352100.00 | 342519.36 | Verified | Field value reflects source document |
| xxxxxx | 844398 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843831 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843831 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 843831 | xxxxxx | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 843831 | xxxxxx | Cash From Borrower | 0.00 | 121987.36 | Verified | Field value reflects source document |
| xxxxxx | 843831 | xxxxxx | Original HLTV | 0 | 57.14286 | Verified | Field value reflects source document |
| xxxxxx | 846225 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846225 | xxxxxx | Subject Debt Service Coverage Ratio | 0.57 | 0.56 | Verified | Field value reflects source document |
| xxxxxx | 846217 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846217 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846217 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 846799 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846799 | xxxxxx | Cash From Borrower | 0.00 | 255561.64 | Verified | Field value reflects source document |
| xxxxxx | 846799 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 839689 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839689 | xxxxxx | Cash To Borrower | 196012.50 | 157616.06 | Verified | Field value reflects source document |
| xxxxxx | 839689 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847022 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 847022 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847022 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847022 | xxxxxx | Cash To Borrower | 400000.00 | 415443.39 | Verified | Field value reflects source document |
| xxxxxx | 847022 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 844989 | xxxxxx | Cash From Borrower | 0.00 | 246519.40 | Verified | Field value reflects source document |
| xxxxxx | 844989 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846015 | xxxxxx | Representative FICO | 804 | 805 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846015 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846015 | xxxxxx | Cash From Borrower | 0.00 | 571915.60 | Verified | Field value reflects source document |
| xxxxxx | 846015 | xxxxxx | Original HLTV | 0 | 55 | Verified | Field value reflects source document |
| xxxxxx | 846228 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846228 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 846228 | xxxxxx | Subject Debt Service Coverage Ratio | 0.92 | 0.97 | Verified | DSCR=$2,000/$2,054.07=0.97 |
| xxxxxx | 842423 | xxxxxx | Cash To Borrower | 282000.00 | 284612.50 | Verified | Field value reflects source document |
| xxxxxx | 842423 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 844908 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844908 | xxxxxx | Cash From Borrower | 0.00 | 175172.47 | Verified | Field value reflects source document |
| xxxxxx | 844908 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846190 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846190 | xxxxxx | Cash To Borrower | 46162.21 | 46540.25 | Verified | Field value reflects source document |
| xxxxxx | 846190 | xxxxxx | Original CLTV | 57.64258 | 52.2046 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 846190 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.988 | 42.80047 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846190 | xxxxxx | Original HLTV | 0 | 4.15094 | Verified | Field value reflects source document |
| xxxxxx | 843362 | xxxxxx | Representative FICO | 783 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843362 | xxxxxx | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843336 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843336 | xxxxxx | Subject Debt Service Coverage Ratio | 1.66 | 2.08 | Verified | Due to round off |
| xxxxxx | 843346 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845080 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845080 | xxxxxx | Subject Debt Service Coverage Ratio | 1.29 | 1.33 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| xxxxxx | 845042 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845066 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845091 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846306 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846306 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846306 | xxxxxx | Cash To Borrower | 38086.94 | 26604.86 | Verified | Field value reflects source document |
| xxxxxx | 846306 | xxxxxx | Original CLTV | 60 | 56.25 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 846306 | xxxxxx | Original LTV | 60 | 56.25 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 846306 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.23 | 33.56866 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846306 | xxxxxx | Original HLTV | 0 | 56.25 | Verified | Field value reflects source document |
| xxxxxx | 844571 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844571 | xxxxxx | Representative FICO | 790 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844571 | xxxxxx | Cash From Borrower | 0.00 | 35345.39 | Verified | Field value reflects source document |
| xxxxxx | 844571 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844867 | xxxxxx | Representative FICO | 660 | 768 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844867 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844867 | xxxxxx | Cash From Borrower | 0.00 | 197653.20 | Verified | Field value reflects source document |
| xxxxxx | 844867 | xxxxxx | Original HLTV | 0 | 70.83333 | Verified | Field value reflects source document |
| xxxxxx | 847383 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847383 | xxxxxx | Subject Debt Service Coverage Ratio | 0.96 | 0.95 | Verified | Due to Rounding. |
| xxxxxx | 847123 | xxxxxx | Subject Debt Service Coverage Ratio | 0.69 | 0.68 | Verified | Due to Rounding. |
| xxxxxx | 847374 | xxxxxx | # of Units | 3 | 2 | Verified | Field value reflects source document |
| xxxxxx | 847374 | xxxxxx | Subject Debt Service Coverage Ratio | 1.09 | 0.83 | Verified | DSCR correctly calculated as per the provided documents. |
| xxxxxx | 847387 | xxxxxx | Subject Debt Service Coverage Ratio | 0.75 | 0.83 | Verified | DSCR Calculated As 3500 rent /4,206.22PITI = 0.8321 |
| xxxxxx | 846098 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 846098 | xxxxxx | Cash From Borrower | 0.00 | 32187.36 | Verified | Field value reflects source document |
| xxxxxx | 846098 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49 | 45.69356 | Verified | Lender used lower income then was provided in the file. |
| xxxxxx | 846098 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 846418 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846418 | xxxxxx | Cash From Borrower | 0.00 | 314616.06 | Verified | Field value reflects source document |
| xxxxxx | 846418 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.009 | 49.50678 | Verified | 1008 was approved with 49.507%. |
| xxxxxx | 846418 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847400 | xxxxxx | Representative FICO | 750 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847400 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847400 | xxxxxx | Interest Rate Life Floor | 2.75 | 3.75 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 847400 | xxxxxx | Cash From Borrower | 0.00 | 278178.76 | Verified | Field value reflects source document |
| xxxxxx | 847400 | xxxxxx | Investor: Qualifying Total Debt Ratio | 13 | 9.86135 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847400 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847211 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847211 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 847211 | xxxxxx | Cash To Borrower | 191000.00 | 200130.68 | Verified | Field value reflects source document |
| xxxxxx | 847211 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847212 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847212 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 847212 | xxxxxx | Cash To Borrower | 245000.00 | 247756.04 | Verified | Field value reflects source document |
| xxxxxx | 847212 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847985 | xxxxxx | Cash From Borrower | 0.00 | 110612.76 | Verified | Field value reflects source document |
| xxxxxx | 847985 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.23 | 30.79836 | Verified | Per the application, previous primary will be grated to ex-husband per the divorce decree so did not include the PITIA as lender did. |
| xxxxxx | 847985 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846310 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846310 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846310 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 846310 | xxxxxx | Cash From Borrower | 0.00 | 507887.53 | Verified | Field value reflects source document |
| xxxxxx | 846310 | xxxxxx | Original HLTV | 0 | 68.96552 | Verified | Field value reflects source document |
| xxxxxx | 845475 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845475 | xxxxxx | Cash From Borrower | 0.00 | 115562.66 | Verified | Field value reflects source document |
| xxxxxx | 845475 | xxxxxx | Original HLTV | 0 | 77.77778 | Verified | Field value reflects source document |
| xxxxxx | 845582 | xxxxxx | Cash To Borrower | 113381.00 | 104305.35 | Verified | Field value reflects source document |
| xxxxxx | 845582 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 845582 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.94 | 45.23489 | Verified | Audit income |
| xxxxxx | 845582 | xxxxxx | Original HLTV | 0 | 23.71134 | Verified | Field value reflects source document |
| xxxxxx | 844860 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844860 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844860 | xxxxxx | Cash To Borrower | 115229.75 | 94618.75 | Verified | Field value reflects source document |
| xxxxxx | 844860 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.71 | 40.23946 | Verified | 1008 approved with 41.926%. |
| xxxxxx | 844860 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848308 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848308 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848308 | xxxxxx | Cash From Borrower | 0.00 | 578002.75 | Verified | Field value reflects source document |
| xxxxxx | 848308 | xxxxxx | Original HLTV | 0 | 78.43133 | Verified | Field value reflects source document |
| xxxxxx | 848242 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 848242 | xxxxxx | Representative FICO | 799 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848242 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848242 | xxxxxx | Cash From Borrower | 0.00 | 457398.96 | Verified | Field value reflects source document |
| xxxxxx | 848242 | xxxxxx | Original HLTV | 0 | 38.75969 | Verified | Field value reflects source document |
| xxxxxx | 848305 | xxxxxx | Cash To Borrower | 0.00 | 118059.40 | Verified | Field value reflects source document |
| xxxxxx | 848305 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848307 | xxxxxx | Cash From Borrower | 0.00 | 175942.98 | Verified | Field value reflects source document |
| xxxxxx | 848307 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 846557 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846557 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 846557 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846557 | xxxxxx | Representative FICO | 759 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846557 | xxxxxx | Cash From Borrower | 0.00 | 247410.67 | Verified | Field value reflects source document |
| xxxxxx | 846557 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847833 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.078 | 37.05825 | Verified | Lower |
| xxxxxx | 845087 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845106 | xxxxxx | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845106 | xxxxxx | # of Units | 5 | 8 | Verified | Field value reflects source document |
| xxxxxx | 845106 | xxxxxx | Subject Debt Service Coverage Ratio | 1.65 | 1.53 | Verified | DSCR: $8,830.00 / $5,803.45 = 1.52 updated as per Rent schedule and Lease agreement available in file. |
| xxxxxx | 845113 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845090 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845099 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847236 | xxxxxx | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | Rounding Off |
| xxxxxx | 847247 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847229 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847233 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847232 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847249 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Due to round off |
| xxxxxx | 847241 | xxxxxx | Subject Debt Service Coverage Ratio | 1.30 | 1.31 | Verified | Due to rounding. |
| xxxxxx | 847240 | xxxxxx | Subject Debt Service Coverage Ratio | 1.59 | 1.60 | Verified | DSCR mismatch due to round-off value. |
| xxxxxx | 847246 | xxxxxx | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847254 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847254 | xxxxxx | Subject Debt Service Coverage Ratio | 1.19 | 1.20 | Verified | Due to rounding. |
| xxxxxx | 847231 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847231 | xxxxxx | Subject Debt Service Coverage Ratio | 1.19 | 1.01 | Verified | Lender utilized $2,000 monthly rent; however, 1007 reflects $1,700. |
| xxxxxx | 847259 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847256 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847256 | xxxxxx | Subject Debt Service Coverage Ratio | 1.09 | 1.10 | Verified | DSCR Rounded up 1.098 to 1.10 |
| xxxxxx | 845073 | xxxxxx | Representative FICO | 709 | 702 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846649 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846649 | xxxxxx | Cash From Borrower | 0.00 | 73279.10 | Verified | Field value reflects source document |
| xxxxxx | 846649 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847393 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847393 | xxxxxx | Subject Debt Service Coverage Ratio | 0.92 | 0.91 | Verified | Underwriter has considered the monthly HOI of $106.25 for DSCR calculation. |
| xxxxxx | 847384 | xxxxxx | Original CLTV | 65 | 52 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 847384 | xxxxxx | Original LTV | 65 | 52 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 847384 | xxxxxx | Subject Debt Service Coverage Ratio | 0.74 | 0.80 | Verified | Field value reflects source document |
| xxxxxx | 848579 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848588 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848588 | xxxxxx | Subject Debt Service Coverage Ratio | 0.94 | 0.93 | Verified | Rounding Factor. |
| xxxxxx | 847834 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847834 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 844568 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844568 | xxxxxx | Cash To Borrower | 51653.12 | 53645.49 | Verified | Field value reflects source document |
| xxxxxx | 844568 | xxxxxx | Original HLTV | 0 | 20.44025 | Verified | Field value reflects source document |
| xxxxxx | 848869 | xxxxxx | Cash To Borrower | 51263.37 | 47813.37 | Verified | Field value reflects source document |
| xxxxxx | 848869 | xxxxxx | Original HLTV | 0 | 74.07407 | Verified | Field value reflects source document |
| xxxxxx | 848309 | xxxxxx | Cash From Borrower | 0.00 | 264480.13 | Verified | Field value reflects source document |
| xxxxxx | 848309 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26.368 | 32.14938 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848309 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846335 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846335 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846335 | xxxxxx | Cash From Borrower | 0.00 | 229246.70 | Verified | Field value reflects source document |
| xxxxxx | 846335 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20.2 | 15.01653 | Verified | 1008 approved at 15.733%. |
| xxxxxx | 846335 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848863 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 848863 | xxxxxx | Cash From Borrower | 0.00 | 382137.31 | Verified | Field value reflects source document |
| xxxxxx | 848863 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848418 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848418 | xxxxxx | Cash From Borrower | 0.00 | 233400.48 | Verified | Field value reflects source document |
| xxxxxx | 848418 | xxxxxx | Investor: Qualifying Total Debt Ratio | 17.14 | 22.52623 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848418 | xxxxxx | Original HLTV | 0 | 52.17391 | Verified | Field value reflects source document |
| xxxxxx | 848770 | xxxxxx | Cash From Borrower | 0.00 | 240681.47 | Verified | Field value reflects source document |
| xxxxxx | 848770 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848873 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848873 | xxxxxx | Cash To Borrower | 213462.62 | 212521.62 | Verified | Field value reflects source document |
| xxxxxx | 848873 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844505 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844505 | xxxxxx | Cash From Borrower | 0.00 | 211118.49 | Verified | Field value reflects source document |
| xxxxxx | 844505 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.06 | 39.16356 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846634 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846634 | xxxxxx | Cash From Borrower | 0.00 | 89074.09 | Verified | Field value reflects source document |
| xxxxxx | 846634 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842668 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842668 | xxxxxx | Cash To Borrower | 215000.00 | 195137.29 | Verified | Field value reflects source document |
| xxxxxx | 842668 | xxxxxx | Original HLTV | 0 | 27.07182 | Verified | Field value reflects source document |
| xxxxxx | 848958 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848958 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848958 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 848958 | xxxxxx | Cash To Borrower | 0.00 | 221055.76 | Verified | Field value reflects source document |
| xxxxxx | 848958 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.45 | 27.19536 | Verified | Lender used lower income than provided in the file. |
| xxxxxx | 848958 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844976 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 844976 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844976 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 844976 | xxxxxx | Cash From Borrower | 0.00 | 156963.83 | Verified | Field value reflects source document |
| xxxxxx | 844976 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848335 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848335 | xxxxxx | Cash From Borrower | 0.00 | 161850.08 | Verified | Field value reflects source document |
| xxxxxx | 848335 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847446 | xxxxxx | Cash From Borrower | 0.00 | 142653.92 | Verified | Field value reflects source document |
| xxxxxx | 847446 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.991 | 39.59025 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847446 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847092 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847092 | xxxxxx | Representative FICO | 692 | 694 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847092 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847092 | xxxxxx | Cash From Borrower | 0.00 | 51151.98 | Verified | Field value reflects source document |
| xxxxxx | 847092 | xxxxxx | Investor: Qualifying Total Debt Ratio | 16.02 | 12.63765 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847092 | xxxxxx | Original HLTV | 0 | 89.99978 | Verified | Field value reflects source document |
| xxxxxx | 848140 | xxxxxx | Cash From Borrower | 0.00 | 70963.69 | Verified | Field value reflects source document |
| xxxxxx | 848140 | xxxxxx | Investor: Qualifying Total Debt Ratio | 29.386 | 31.49044 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848140 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849059 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849059 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 849059 | xxxxxx | Cash From Borrower | 0.00 | 85373.04 | Verified | Field value reflects source document |
| xxxxxx | 849059 | xxxxxx | Original HLTV | 0 | 78.37838 | Verified | Field value reflects source document |
| xxxxxx | 848843 | xxxxxx | Original HLTV | 0 | 74.74498 | Verified | Field value reflects source document |
| xxxxxx | 849314 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 849314 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 849314 | xxxxxx | Cash To Borrower | 190145.80 | 185402.03 | Verified | Field value reflects source document |
| xxxxxx | 849314 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847893 | xxxxxx | Cash From Borrower | 0.00 | 318815.48 | Verified | Field value reflects source document |
| xxxxxx | 847893 | xxxxxx | Original HLTV | 0 | 66.09512 | Verified | Field value reflects source document |
| xxxxxx | 849061 | xxxxxx | Cash From Borrower | 0.00 | 101355.97 | Verified | Field value reflects source document |
| xxxxxx | 849061 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849321 | xxxxxx | Cash To Borrower | 192942.59 | 191478.59 | Verified | Field value reflects source document |
| xxxxxx | 849321 | xxxxxx | Original HLTV | 0 | 67.11409 | Verified | Field value reflects source document |
| xxxxxx | 849066 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849066 | xxxxxx | Cash From Borrower | 0.00 | 236189.88 | Verified | Field value reflects source document |
| xxxxxx | 849066 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24.3 | 40.10456 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 849066 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848848 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848848 | xxxxxx | Cash From Borrower | 0.00 | 111457.85 | Verified | Field value reflects source document |
| xxxxxx | 848848 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847976 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847976 | xxxxxx | Cash From Borrower | 0.00 | 314913.04 | Verified | Field value reflects source document |
| xxxxxx | 847976 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.357 | 35.57693 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847976 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847173 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847173 | xxxxxx | Cash From Borrower | 0.00 | 3390.32 | Verified | Field value reflects source document |
| xxxxxx | 847173 | xxxxxx | Original HLTV | 0 | 78.21839 | Verified | Field value reflects source document |
| xxxxxx | 844591 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844591 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844110 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844110 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844110 | xxxxxx | Cash From Borrower | 0.00 | 440070.19 | Verified | Field value reflects source document |
| xxxxxx | 844110 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849319 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849319 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849319 | xxxxxx | Cash To Borrower | 181989.08 | 181199.03 | Verified | Field value reflects source document |
| xxxxxx | 849319 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846810 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 846810 | xxxxxx | Cash From Borrower | 0.00 | 620877.64 | Verified | Field value reflects source document |
| xxxxxx | 846810 | xxxxxx | Investor: Qualifying Total Debt Ratio | 12 | 14.56912 | Verified | 1008 approved at 14.44%. |
| xxxxxx | 846810 | xxxxxx | Original HLTV | 0 | 79.90741 | Verified | Field value reflects source document |
| xxxxxx | 848652 | xxxxxx | Cash From Borrower | 0.00 | 124666.88 | Verified | Field value reflects source document |
| xxxxxx | 848652 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848650 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848650 | xxxxxx | Cash From Borrower | 0.00 | 567973.31 | Verified | Field value reflects source document |
| xxxxxx | 848650 | xxxxxx | Original HLTV | 0 | 54.91803 | Verified | Field value reflects source document |
| xxxxxx | 845414 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845414 | xxxxxx | Cash From Borrower | 0.00 | 110544.20 | Verified | Field value reflects source document |
| xxxxxx | 845414 | xxxxxx | Investor: Qualifying Total Debt Ratio | 25.122 | 37.03671 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845414 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847963 | xxxxxx | Cash From Borrower | 0.00 | 249287.61 | Verified | Field value reflects source document |
| xxxxxx | 847963 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44 | 33.95609 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847963 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848179 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848179 | xxxxxx | Cash From Borrower | 0.00 | 391655.45 | Verified | Field value reflects source document |
| xxxxxx | 848179 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848948 | xxxxxx | Cash From Borrower | 0.00 | 49366.45 | Verified | Field value reflects source document |
| xxxxxx | 848948 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848851 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848851 | xxxxxx | Cash To Borrower | 267083.33 | 266483.33 | Verified | Field value reflects source document |
| xxxxxx | 848851 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849425 | xxxxxx | Cash From Borrower | 0.00 | 285233.91 | Verified | Field value reflects source document |
| xxxxxx | 849425 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849449 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849449 | xxxxxx | Cash From Borrower | 0.00 | 82439.83 | Verified | Field value reflects source document |
| xxxxxx | 849449 | xxxxxx | Investor: Qualifying Total Debt Ratio | 19.48 | 16.30162 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849449 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849307 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849307 | xxxxxx | Cash From Borrower | 0.00 | 199859.98 | Verified | Field value reflects source document |
| xxxxxx | 849307 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849070 | xxxxxx | Cash To Borrower | 577197.00 | 576652.00 | Verified | Field value reflects source document |
| xxxxxx | 849070 | xxxxxx | Original HLTV | 0 | 69.90408 | Verified | Field value reflects source document |
| xxxxxx | 847759 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847759 | xxxxxx | Cash From Borrower | 0.00 | 208450.82 | Verified | Field value reflects source document |
| xxxxxx | 847759 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844373 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844373 | xxxxxx | Cash To Borrower | 19757.00 | 6862.12 | Verified | Field value reflects source document |
| xxxxxx | 844373 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847554 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847554 | xxxxxx | Cash From Borrower | 0.00 | 134062.55 | Verified | Field value reflects source document |
| xxxxxx | 847554 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24.567 | 16.1948 | Verified | Lender used lower income then was provided in the file. |
| xxxxxx | 847554 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849146 | xxxxxx | Representative FICO | 693 | 787 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849146 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849146 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 849146 | xxxxxx | Cash From Borrower | 0.00 | 208325.08 | Verified | Field value reflects source document |
| xxxxxx | 849146 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46 | 41.99153 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849146 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848448 | xxxxxx | Cash From Borrower | 0.00 | 30505.11 | Verified | Field value reflects source document |
| xxxxxx | 848448 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 847809 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 847809 | xxxxxx | Cash From Borrower | 0.00 | 82876.63 | Verified | Field value reflects source document |
| xxxxxx | 847809 | xxxxxx | Original HLTV | 0 | 84.7981 | Verified | Field value reflects source document |
| xxxxxx | 849083 | xxxxxx | Cash To Borrower | 182455.85 | 184756.89 | Verified | Field value reflects source document |
| xxxxxx | 849083 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847317 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847317 | xxxxxx | Cash From Borrower | 0.00 | 79449.00 | Verified | Field value reflects source document |
| xxxxxx | 847317 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849538 | xxxxxx | Cash To Borrower | 454350.73 | 458002.16 | Verified | Field value reflects source document |
| xxxxxx | 849538 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846741 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846741 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846741 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846741 | xxxxxx | Cash To Borrower | 400000.00 | 485234.18 | Verified | Field value reflects source document |
| xxxxxx | 846741 | xxxxxx | Original CLTV | 65.71574 | 56.7068 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 846741 | xxxxxx | Original LTV | 36.69725 | 31.74603 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 846741 | xxxxxx | Original HLTV | 0 | 31.74603 | Verified | Field value reflects source document |
| xxxxxx | 849025 | xxxxxx | Cash From Borrower | 0.00 | 213712.17 | Verified | Field value reflects source document |
| xxxxxx | 849025 | xxxxxx | Original HLTV | 0 | 56.47479 | Verified | Field value reflects source document |
| xxxxxx | 848353 | xxxxxx | Cash From Borrower | 0.00 | 268141.84 | Verified | Field value reflects source document |
| xxxxxx | 848353 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45 | 37.23237 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848877 | xxxxxx | Cash From Borrower | 0.00 | 409701.26 | Verified | Field value reflects source document |
| xxxxxx | 848877 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.475 | 37.13746 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848877 | xxxxxx | Original HLTV | 0 | 30 | Verified | Field value reflects source document |
| xxxxxx | 847301 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847301 | xxxxxx | Cash From Borrower | 0.00 | 418454.70 | Verified | Field value reflects source document |
| xxxxxx | 847301 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26.22 | 22.34235 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847301 | xxxxxx | Original HLTV | 0 | 61.86845 | Verified | Field value reflects source document |
| xxxxxx | 849589 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849589 | xxxxxx | Representative FICO | 662 | 670 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849589 | xxxxxx | Cash From Borrower | 0.00 | 73059.78 | Verified | Field value reflects source document |
| xxxxxx | 849589 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.93 | 34.73341 | Verified | 1007 for subject property is STR |
| xxxxxx | 849589 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849521 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 849521 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849521 | xxxxxx | Cash From Borrower | 0.00 | 90356.59 | Verified | Field value reflects source document |
| xxxxxx | 849521 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.652 | 47.19514 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849521 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848754 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 848754 | xxxxxx | Cash From Borrower | 0.00 | 919018.59 | Verified | Field value reflects source document |
| xxxxxx | 848754 | xxxxxx | Investor: Qualifying Total Debt Ratio | 32.34 | 26.79744 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848754 | xxxxxx | Original HLTV | 0 | 39.79933 | Verified | Field value reflects source document |
| xxxxxx | 850028 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850028 | xxxxxx | Cash From Borrower | 0.00 | 151573.74 | Verified | Field value reflects source document |
| xxxxxx | 850028 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850027 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850027 | xxxxxx | Cash From Borrower | 0.00 | 89526.52 | Verified | Field value reflects source document |
| xxxxxx | 850027 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850029 | xxxxxx | Representative FICO | 682 | 708 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850029 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850029 | xxxxxx | Cash From Borrower | 0.00 | 74372.69 | Verified | Field value reflects source document |
| xxxxxx | 850029 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 850033 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850033 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850033 | xxxxxx | Cash From Borrower | 0.00 | 34269.41 | Verified | Field value reflects source document |
| xxxxxx | 850033 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.652 | 45.33437 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850033 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 850030 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850030 | xxxxxx | Cash From Borrower | 0.00 | 117678.11 | Verified | Field value reflects source document |
| xxxxxx | 850030 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847706 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847706 | xxxxxx | Representative FICO | 726 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847706 | xxxxxx | Cash From Borrower | 0.00 | 558544.58 | Verified | Field value reflects source document |
| xxxxxx | 847706 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844277 | xxxxxx | Cash From Borrower | 0.00 | 72807.19 | Verified | Field value reflects source document |
| xxxxxx | 844277 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847159 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847159 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847159 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847159 | xxxxxx | Cash To Borrower | 320000.00 | 304263.10 | Verified | Field value reflects source document |
| xxxxxx | 847159 | xxxxxx | Investor: Qualifying Total Debt Ratio | 19.16 | 49.10562 | Verified | Approval shows 49.57%. |
| xxxxxx | 847159 | xxxxxx | Original HLTV | 0 | 53.15615 | Verified | Field value reflects source document |
| xxxxxx | 844551 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844551 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844551 | xxxxxx | Cash From Borrower | 0.00 | 155044.89 | Verified | Field value reflects source document |
| xxxxxx | 844551 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848921 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848921 | xxxxxx | Cash To Borrower | 142374.00 | 356775.34 | Verified | Field value reflects source document |
| xxxxxx | 848921 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.76 | 46.58836 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848921 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847845 | xxxxxx | Cash From Borrower | 0.00 | 137510.37 | Verified | Field value reflects source document |
| xxxxxx | 847845 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849060 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849060 | xxxxxx | Cash From Borrower | 0.00 | 548553.44 | Verified | Field value reflects source document |
| xxxxxx | 849060 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850164 | xxxxxx | Cash From Borrower | 0.00 | 239599.98 | Verified | Field value reflects source document |
| xxxxxx | 850164 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 48.30032 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850164 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850162 | xxxxxx | Cash To Borrower | 0.00 | 662.14 | Verified | Field value reflects source document |
| xxxxxx | 850162 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849057 | xxxxxx | Cash To Borrower | 892825.07 | 832473.42 | Verified | Field value reflects source document |
| xxxxxx | 849057 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849540 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849540 | xxxxxx | Cash To Borrower | 371853.66 | 371249.02 | Verified | Field value reflects source document |
| xxxxxx | 849540 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848124 | xxxxxx | Cash To Borrower | 61000.00 | 56154.23 | Verified | Field value reflects source document |
| xxxxxx | 848124 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848532 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 848532 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848532 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848532 | xxxxxx | Cash From Borrower | 0.00 | 77257.05 | Verified | Field value reflects source document |
| xxxxxx | 848532 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848473 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 848473 | xxxxxx | Cash From Borrower | 0.00 | 12165.62 | Verified | Field value reflects source document |
| xxxxxx | 848473 | xxxxxx | Original HLTV | 0 | 57.84469 | Verified | Field value reflects source document |
| xxxxxx | 843515 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843515 | xxxxxx | Cash To Borrower | 92538.50 | 96712.49 | Verified | Field value reflects source document |
| xxxxxx | 843515 | xxxxxx | Original HLTV | 0 | 73.17073 | Verified | Field value reflects source document |
| xxxxxx | 847137 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847137 | xxxxxx | Property Type | 3 Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847137 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847137 | xxxxxx | # of Units | 3 | 2 | Verified | Field value reflects source document |
| xxxxxx | 847137 | xxxxxx | Cash From Borrower | 0.00 | 327225.78 | Verified | Field value reflects source document |
| xxxxxx | 847137 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846231 | xxxxxx | Investor: Qualifying Total Debt Ratio | 4.757 | 8.97033 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848593 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848591 | xxxxxx | Original CLTV | 80 | 74.97692 | Verified | Verified and correct as per the Valuation and loan amount showing in document |
| xxxxxx | 848591 | xxxxxx | Original LTV | 80 | 74.97692 | Verified | Verified and correct as per the Valuation and loan amount showing in document |
| xxxxxx | 848591 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 849148 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 847851 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 847851 | xxxxxx | Cash From Borrower | 0.00 | 178100.44 | Verified | Field value reflects source document |
| xxxxxx | 847851 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.49 | 30.09856 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847851 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850024 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850024 | xxxxxx | Cash To Borrower | 0.00 | 292631.79 | Verified | Field value reflects source document |
| xxxxxx | 850024 | xxxxxx | Original HLTV | 0 | 69.90291 | Verified | Field value reflects source document |
| xxxxxx | 849443 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849443 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 848621 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 848621 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848621 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848621 | xxxxxx | Cash To Borrower | 190926.89 | 155507.57 | Verified | Field value reflects source document |
| xxxxxx | 848621 | xxxxxx | Investor: Qualifying Total Debt Ratio | 13.518 | 34.89675 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848621 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848974 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848974 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848974 | xxxxxx | Cash From Borrower | 0.00 | 71440.70 | Verified | Field value reflects source document |
| xxxxxx | 848974 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 848737 | xxxxxx | Cash From Borrower | 0.00 | 179029.01 | Verified | Field value reflects source document |
| xxxxxx | 848737 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849683 | xxxxxx | Cash From Borrower | 0.00 | 63713.57 | Verified | Field value reflects source document |
| xxxxxx | 849683 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 848163 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 848163 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 848163 | xxxxxx | Cash From Borrower | 0.00 | 202698.52 | Verified | Field value reflects source document |
| xxxxxx | 848163 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847261 | xxxxxx | Original LTV | 72.73 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 843715 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845132 | xxxxxx | Subject Debt Service Coverage Ratio | 1.01 | 1.03 | Verified | Due to round off |
| xxxxxx | 847245 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847242 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847251 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847251 | xxxxxx | Subject Debt Service Coverage Ratio | 1.32 | 1.33 | Verified | Due to round off |
| xxxxxx | 848052 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848052 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848052 | xxxxxx | Representative FICO | 732 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848052 | xxxxxx | Cash To Borrower | 123338.97 | 119828.48 | Verified | Field value reflects source document |
| xxxxxx | 848052 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.283 | 34.36293 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848052 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847915 | xxxxxx | Cash From Borrower | 0.00 | 624424.73 | Verified | Field value reflects source document |
| xxxxxx | 847915 | xxxxxx | Investor: Qualifying Total Debt Ratio | 21.392 | 33.86456 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847915 | xxxxxx | Original HLTV | 0 | 78.43133 | Verified | Field value reflects source document |
| xxxxxx | 848338 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848338 | xxxxxx | Cash To Borrower | 152346.00 | 82847.99 | Verified | Field value reflects source document |
| xxxxxx | 848971 | xxxxxx | Cash From Borrower | 0.00 | 635010.21 | Verified | Field value reflects source document |
| xxxxxx | 848971 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.389 | 46.98611 | Verified | 1008 approved at 46.944% |
| xxxxxx | 848971 | xxxxxx | Original HLTV | 0 | 30.35714 | Verified | Field value reflects source document |
| xxxxxx | 849495 | xxxxxx | Cash From Borrower | 0.00 | 179004.10 | Verified | Field value reflects source document |
| xxxxxx | 849495 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.17 | 45.13815 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849495 | xxxxxx | Original HLTV | 0 | 78.83212 | Verified | Field value reflects source document |
| xxxxxx | 849190 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849190 | xxxxxx | Cash From Borrower | 0.00 | 177820.90 | Verified | Field value reflects source document |
| xxxxxx | 849190 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 848433 | xxxxxx | Cash To Borrower | 6920.47 | 29223.51 | Verified | Field value reflects source document |
| xxxxxx | 848433 | xxxxxx | Original HLTV | 0 | 60.57143 | Verified | Field value reflects source document |
| xxxxxx | 847088 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847088 | xxxxxx | Cash From Borrower | 0.00 | 90080.60 | Verified | Field value reflects source document |
| xxxxxx | 847088 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.472 | 17.36466 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847088 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848345 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848345 | xxxxxx | Cash From Borrower | 0.00 | 68723.14 | Verified | Field value reflects source document |
| xxxxxx | 848345 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850284 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850304 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848704 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848704 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848704 | xxxxxx | Cash From Borrower | 0.00 | 112661.38 | Verified | Field value reflects source document |
| xxxxxx | 848704 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.522 | 28.45946 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848704 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 849626 | xxxxxx | Cash From Borrower | 0.00 | 103268.96 | Verified | Field value reflects source document |
| xxxxxx | 849626 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849535 | xxxxxx | Cash To Borrower | 373967.65 | 371300.03 | Verified | Field value reflects source document |
| xxxxxx | 849535 | xxxxxx | Investor: Qualifying Total Debt Ratio | 15 | 37.50683 | Verified | 1008 approved with 39.01%. |
| xxxxxx | 849535 | xxxxxx | Original HLTV | 0 | 67.79661 | Verified | Field value reflects source document |
| xxxxxx | 849925 | xxxxxx | Cash From Borrower | 0.00 | 132675.16 | Verified | Field value reflects source document |
| xxxxxx | 849925 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849547 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849547 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 849547 | xxxxxx | Representative FICO | 767 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849547 | xxxxxx | Cash From Borrower | 0.00 | 417976.14 | Verified | Field value reflects source document |
| xxxxxx | 849547 | xxxxxx | Original HLTV | 0 | 55.50612 | Verified | Field value reflects source document |
| xxxxxx | 849343 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849343 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849343 | xxxxxx | Cash From Borrower | 0.00 | 62586.41 | Verified | Field value reflects source document |
| xxxxxx | 849343 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.89 | 37.07766 | Verified | Field Value DTI is same as on 1008 in file. |
| xxxxxx | 849343 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 838169 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 838169 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 838169 | xxxxxx | Cash From Borrower | 0.00 | 16702.41 | Verified | Field value reflects source document |
| xxxxxx | 838169 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.69 | 45.52562 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 838169 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 849167 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849167 | xxxxxx | Representative FICO | 748 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848586 | xxxxxx | Investor: Qualifying Total Debt Ratio | 32.264 | 38.20879 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 849160 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 849160 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849160 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 849160 | xxxxxx | Investor: Qualifying Total Debt Ratio | 32.31 | 23.10588 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 836740 | xxxxxx | Cash From Borrower | 0.00 | 111577.27 | Verified | Field value reflects source document |
| xxxxxx | 836740 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848700 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848700 | xxxxxx | Cash From Borrower | 0.00 | 96020.24 | Verified | Field value reflects source document |
| xxxxxx | 848700 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.91 | 37.97295 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848700 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849949 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849949 | xxxxxx | Cash From Borrower | 0.00 | 171898.65 | Verified | Field value reflects source document |
| xxxxxx | 849949 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848273 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848273 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848273 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848273 | xxxxxx | Cash From Borrower | 0.00 | 258624.66 | Verified | Field value reflects source document |
| xxxxxx | 848273 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.556 | 46.45986 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848273 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848590 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850278 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.972 | 23.05036 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850281 | xxxxxx | Representative FICO | 723 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850281 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850319 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 850319 | xxxxxx | Investor: Qualifying Total Debt Ratio | 24.984 | 20.90974 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849329 | xxxxxx | Cash From Borrower | 0.00 | 172785.11 | Verified | Field value reflects source document |
| xxxxxx | 849329 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850194 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850194 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850194 | xxxxxx | Cash From Borrower | 0.00 | 196505.08 | Verified | Field value reflects source document |
| xxxxxx | 850194 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849434 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849434 | xxxxxx | Cash From Borrower | 0.00 | 225358.10 | Verified | Field value reflects source document |
| xxxxxx | 849434 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848723 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 849564 | xxxxxx | Cash From Borrower | 0.00 | 484687.71 | Verified | Field value reflects source document |
| xxxxxx | 849564 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33 | 30.99719 | Verified | Field Value DTI is lower than reflected on 1008 due to incorrect tax and insurance amounts. |
| xxxxxx | 849564 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846321 | xxxxxx | Cash To Borrower | 280000.00 | 18879.59 | Verified | Not a true discrepancy. |
| xxxxxx | 846321 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847319 | xxxxxx | Investor: Qualifying Housing Ratio | 40.886 | 10.95097 | Verified | Field value reflects source document |
| xxxxxx | 847281 | xxxxxx | Investor: Qualifying Housing Ratio | 24.672 | 17.93973 | Verified | Field value reflects source document |
| xxxxxx | 848783 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848783 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 848783 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 848783 | xxxxxx | Representative FICO | 750 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848783 | xxxxxx | Investor: Qualifying Housing Ratio | 49.62 | 3.1611 | Verified | Field value reflects source document |
| xxxxxx | 849739 | xxxxxx | Cash From Borrower | 0.00 | 165363.18 | Verified | Field value reflects source document |
| xxxxxx | 849739 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.811 | 40.14517 | Verified | Bid Tape Field Value DTI matches 1008 DTI. |
| xxxxxx | 849739 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851083 | xxxxxx | Cash From Borrower | 0.00 | 113544.66 | Verified | Field value reflects source document |
| xxxxxx | 851083 | xxxxxx | Original HLTV | 0 | 79.91632 | Verified | Field value reflects source document |
| xxxxxx | 851464 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851464 | xxxxxx | Cash From Borrower | 0.00 | 237.62 | Verified | Field value reflects source document |
| xxxxxx | 851464 | xxxxxx | Original HLTV | 0 | 74.57143 | Verified | Field value reflects source document |
| xxxxxx | 851463 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851463 | xxxxxx | Cash From Borrower | 0.00 | 287657.81 | Verified | Field value reflects source document |
| xxxxxx | 851463 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849007 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849007 | xxxxxx | Cash To Borrower | 257177.00 | 313705.46 | Verified | Field value reflects source document |
| xxxxxx | 849007 | xxxxxx | Investor: Qualifying Total Debt Ratio | 26.91 | 33.49612 | Verified | 1008 approved at 37.169%. |
| xxxxxx | 849007 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850273 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.864 | 44.85142 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850326 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.042 | 37.21553 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 851034 | xxxxxx | Investor: Qualifying Total Debt Ratio | 18.448 | 25.02925 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850321 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850321 | xxxxxx | Investor: Qualifying Total Debt Ratio | 54.688 | 50.43597 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850288 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851053 | xxxxxx | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851053 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851053 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.191 | 44.95705 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850058 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 850058 | xxxxxx | Representative FICO | 783 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850058 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850058 | xxxxxx | Cash From Borrower | 0.00 | 60845.19 | Verified | Field value reflects source document |
| xxxxxx | 850058 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849223 | xxxxxx | Cash From Borrower | 0.00 | 668977.11 | Verified | Field value reflects source document |
| xxxxxx | 849223 | xxxxxx | Original HLTV | 0 | 28.20225 | Verified | Field value reflects source document |
| xxxxxx | 850274 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850274 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.756 | 41.8311 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| xxxxxx | 851048 | xxxxxx | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851048 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851048 | xxxxxx | Investor: Qualifying Total Debt Ratio | 33.328 | 38.92756 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 851035 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851039 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851032 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 845059 | xxxxxx | Representative FICO | 765 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 845050 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.3

**EXHIBIT 99.3**

**AMC Exception Grades**

![](tm2532423d1_ex99-3img01.jpg)

**Exception Grades**

**Run Date - 11/14/2025 1:07:32 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **Kroll Initial Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| xxxxxx | 823512 | xxxxxx | 32231718 | xxxxxx | 11/26/2024 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | If there are one (1) or more occurrences in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period. Borrower has 5 NSF's. Investor reception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Residual income more than 2.5x the amount required by guidelines | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2024-11-24): Client elects to waive with verified compensation factors |  |  | 11/24/2024 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 823512 | xxxxxx | 32231748 | xxxxxx | 11/26/2024 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 12.65736% or Final Disclosure APR of 12.74500% is equal to or greater than the threshold of APOR 6.73% + 3.5%, or 10.23000%. Non-Compliant Higher Priced Mortgage Loan. | HPML loans require a full interior/exterior appraisal. |  |  |  | Reviewer Comment (2024-12-19): Client elects to waive. SOL 1 year expires xxxxxx |  |  | 12/19/2024 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 823512 | xxxxxx | 32231749 | xxxxxx | 11/26/2024 | 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. | HPML loans require a full interior/exterior appraisal. |  |  |  | Reviewer Comment (2024-11-24): Client elects to waive |  |  | 11/24/2024 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 823512 | xxxxxx | 32231825 | xxxxxx | 11/26/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,352.83 exceeds tolerance of $4,206.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  |  |  | Reviewer Comment (2024-12-03): SitusAMC received valid COC document.<br>Buyer Comment (2024-12-02): Per the seller: We provided a revised CD and COC in the documents we initially uploaded to xxxxxx. I have attached again. | 12/03/2024 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 823512 | xxxxxx | 32231826 | xxxxxx | 11/26/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $110.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Cure nor valid COC provided |  |  |  | Reviewer Comment (2025-01-08): SitusAMC Received Corrected PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-01-07): Letter to Borrower, copy of Check and Tracking attached<br>Reviewer Comment (2024-12-30): SitusAMC Received Copy of check and Corrected PCCD; however, LOE and Proof of Mailing. Provide LOE and Proof of Mailing.<br>Buyer Comment (2024-12-27): copy of $110 refund check for tolerance cure<br>Reviewer Comment (2024-12-18): SitusAMC Received Corrected PCCD with cure $110; however, copy of check, Proof of Mailing and LOE not provided. Provide copy of check, Proof of Mailing and LOE.<br>Buyer Comment (2024-12-17): Attached PCCD with $110 Tolerance Cure added to bottom of page 2<br>Reviewer Comment (2024-12-03): SitusAMC received rebuttal, however on LE dated xxxxxx appraisal disaster inspection fee was not disclosed. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2024-12-02): Loan Estimate has $110 appraisal fee disclosed |  | 01/08/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 823512 | xxxxxx | 32231945 | xxxxxx | 11/26/2024 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | HPML loans require a full interior/exterior appraisal. |  |  |  | Reviewer Comment (2024-12-19): Client elects to waive. SOL 1 year expires xxxxxx |  |  | 12/19/2024 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 823512 | xxxxxx | 32232431 | xxxxxx | 11/26/2024 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, settlement agent, xxxxxx, was not included on the fraud report. |  |  |  | Reviewer Comment (2024-12-03): Received Fraud and OFAC search run on settlement agent, xxxxxx. Exception cleared.<br>Buyer Comment (2024-12-02): See attached fraud report | 12/03/2024 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 823512 | xxxxxx | 32232574 | xxxxxx | 11/26/2024 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard policy shows xxxxxx as city and Note has xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Residual income more than 2.5x the amount required by guidelines | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-01-27): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-01-27): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 2 - Current primary home ownership > 10 years<br>Reviewer Comment (2025-01-27): The amendment date is when the changes take effect. Therefore changes took effect post close. Investor can elect to waive with verified compensation factors.<br>Buyer Comment (2025-01-27): The amendment date was xxxxxx but the policy coverage period is still xxxxxx - xxxxxx .<br>Reviewer Comment (2025-01-23): The update HOI reflects the dec correction became effective xxxxxx which is post close and not acceptable.<br>Buyer Comment (2025-01-23): See attached HOI |  |  | 01/27/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 823512 | xxxxxx | 32243661 | xxxxxx | 11/26/2024 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received Credit Report - Gap. Exception cleared.<br>Buyer Comment (2024-12-02): See attached gap report | 12/03/2024 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 823512 | xxxxxx | 32243662 | xxxxxx | 11/26/2024 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The 2055E reflects the property is a PUD, however there isn't a PUD rider attached to the DOT. Provide the executed PUD rider, corrected and executed DOT to include PUD rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Residual income more than 2.5x the amount required by guidelines | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2024-12-06): Client elects to waive with verified compensation factors<br>Buyer Comment (2024-12-06): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 2 - Self-employed for > 2 years / Compensating Factor 3 - Current primary home ownership > 5 years<br>Reviewer Comment (2024-12-05): A PUD rider is required on all transactions. Both first and second liens.<br>Buyer Comment (2024-12-03): The PUD Rider is recorded with the FIRST mortgage and is not required on second lien. |  |  | 12/06/2024 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 825208 | xxxxxx | 32062226 | xxxxxx | 11/11/2024 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2024-11-19): Received E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2024-11-18): xxxxxx e-consent attached<br>Reviewer Comment (2024-11-15): No new documents received. Please try uploading again.<br>Buyer Comment (2024-11-14): xxxxxx e-consent attached | 11/19/2024 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 825208 | xxxxxx | 32062314 | xxxxxx | 11/11/2024 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.66846% or Final Disclosure APR of 8.69800% is equal to or greater than the threshold of APOR 6.40% + 1.5%, or 7.90000%. Non-Compliant Higher Priced Mortgage Loan. | Flipped Property - Creditor did not obtain two (2) written appraisals. |  |  |  | Reviewer Comment (2024-12-16): The client elects to waive. SOL date xxxxxx<br>Buyer Comment (2024-12-16): 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 20 points > minimum required / Compensating Factor 3 - DTI <= 40% which is below requirement in guidelines |  |  | 12/16/2024 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 825208 | xxxxxx | 32062315 | xxxxxx | 11/11/2024 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. |  |  |  |  | Reviewer Comment (2024-12-16): The client elects to waive. SOL date xxxxxx<br>Buyer Comment (2024-12-16): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  |  | 12/16/2024 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 825208 | xxxxxx | 32068461 | xxxxxx | 11/11/2024 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Per LOE, borrower is living rent free. 1003 currently reflects rent. |  |  |  | Reviewer Comment (2024-11-21): Updated 1003 provided<br>Buyer Comment (2024-11-20): xxxxxx 1003 correct no housing Exp | 11/21/2024 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 833690 | xxxxxx | 33961291 | xxxxxx | 07/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is an ITIN which is not allowed on the DSCR program. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-07-21): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-07-21): 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 20 points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more |  |  | 07/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 836122 | xxxxxx | 34229475 | xxxxxx | 08/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx unit properties 400 sq. ft per individual unit. xxxxxx of the units is xxxxxx sq ft. There is an investor exception request in file. Please provide the approved exception with comp factors. | 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%. | DSCR > 1.30 | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-21): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-08-21): Please see exception report |  |  | 08/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 836740 | xxxxxx | 34755522 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-10-22): Approval provided<br>Buyer Comment (2025-10-22): Please see the Approval uploaded. | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 836740 | xxxxxx | 34772177 | xxxxxx | 10/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the fraud report, borrower has no vested interest in the primary residence. Non-borrower is the only owner on the fraud report and only individual obligated to the Note. FTHB allowed only on Primary Residences. |  |  |  | Reviewer Comment (2025-10-23): Investor accepting property profile report which reflects borrower as a seller but no transfer history and tax cert as borrower had vested ownership in the property at one time within the past 36 months and not considering this a FTHB.<br>Buyer Comment (2025-10-23): Also sent via email: Looking to get another look at this condition regarding FTHB. It does appear per the xxxxxx Report that the borrower had ownership-interest (vs vested) in the Primary with her spouse.<br>Reviewer Comment (2025-10-22): The only borrower on this loan is xxxxxx. The xxxxxx report does not show any vested ownership in xxxxxx for this individual. The last transfer on xxxxxx was to xxxxxx. There is no history for xxxxxx.<br>Buyer Comment (2025-10-22): Attached Property Report. Per xxxxxx UW, borrower has held title in the Primary as recently as xxxxxx per xxxxxx report. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 836740 | xxxxxx | 34772180 | xxxxxx | 10/21/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Per the fraud report, borrower has no current vested interest in the primary residence. Transferred solely to non-borrower. |  |  |  | Reviewer Comment (2025-11-03): Updated 1003 provided<br>Buyer Comment (2025-10-31): Updated 1003 - with non-borrower spouse removed. xxxxxx!<br>Reviewer Comment (2025-10-31): Received corrected 1003 also list the non-borrower's name. Please provide corrected 1003 only for the borrower. Exception remains.<br>Buyer Comment (2025-10-29): Please see the 1003. xxxxxx | 11/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 837377 | xxxxxx | 34313841 | xxxxxx | 09/03/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects different mortgagee + ISAOA |  |  |  | Reviewer Comment (2025-09-09): Updated HOI provided<br>Buyer Comment (2025-09-08): xxxxxx please see attached. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 838169 | xxxxxx | 34735511 | xxxxxx | 10/20/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Investor Exception - The subject mortgage is paying off a cash out refinance with note date xxxxxx , cash out seasoning is less than 6 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>| Reviewer Comment (2025-10-20): Approved exception in file with comp factors cited. |  |  | 10/20/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| xxxxxx | 838307 | xxxxxx | 33619850 | xxxxxx | 06/13/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33620040 | xxxxxx | 06/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provided the receipt of gift funds for $47,000 and $3,500. |  |  |  | Reviewer Comment (2025-06-23): Updated gift letters and receipts provided<br>Buyer Comment (2025-06-23): please see latest DU # 10 with correct Gift amounts alonge with gift letters and Wire confirmations | 06/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33621399 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Provide the AUS dated at or prior to closing. AUS provided is post-close. |  |  |  | Reviewer Comment (2025-06-27): Preclose AUS provided<br>Buyer Comment (2025-06-27): Pre close AUS attached<br>Reviewer Comment (2025-06-27): No new documents uploaded to trailing documents. Last upload was xxxxxx Please try uploading again.<br>Buyer Comment (2025-06-26): Please see the attached pre close<br>Reviewer Comment (2025-06-23): The AUS provided is dated xxxxxx which is post close. Loan closed xxxxxx . Provide the pre-close AUS.<br>Buyer Comment (2025-06-23): please see the attached | 06/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33621643 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33621739 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33622358 | xxxxxx | 06/13/2025 | 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 $12,819.96 may be required. | Loan Estimate not provided. |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33622359 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $23.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75197) | Title - Recording Service Fee was not disclosed on the Loan Estimate as Loan Estimate not provided, but was disclosed as $23.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $23.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | 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 | Non QM | Non QM | Yes |
| xxxxxx | 838307 | xxxxxx | 33622360 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $32.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7522) | Document Preparation Fee was not disclosed on the Loan Estimate as Loan Estimate not provided, but was disclosed as $32.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $32.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | 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 | Non QM | Non QM | Yes |
| xxxxxx | 838307 | xxxxxx | 33622361 | xxxxxx | 06/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee. Fee Amount of $310.00 exceeds tolerance of $250.00. Insufficient or no cure was provided to the borrower. (7568) | Title - Notary Fee was last disclosed as $250.00 on the Final CD, but was disclosed as $310.00 on the Post Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $60.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | 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 | Non QM | Non QM | Yes |
| xxxxxx | 838307 | xxxxxx | 33622366 | xxxxxx | 06/13/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-06-23): FTP provided | 06/23/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33622372 | xxxxxx | 06/13/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2025-06-23): E-consent provided<br>Buyer Comment (2025-06-23): please see the attached | 06/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33622392 | xxxxxx | 06/13/2025 | 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 (2025-06-23): FTP provided | 06/23/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33622395 | xxxxxx | 06/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  |  |  | Reviewer Comment (2025-06-29): PDI received dated xxxxxx : No Damage<br>Reviewer Comment (2025-06-27): PDI will be ordered<br>Reviewer Comment (2025-06-23): None of the documents attached clear the condition. Appraisal was completed in xxxxxx and disaster occurred in 2025. PDI required.<br>Buyer Comment (2025-06-23): please see the attached | 06/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33622411 | xxxxxx | 06/13/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Note date: xxxxxx; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-06-23): Full appraisal provided. Updated AUS no appraisal waiver.<br>Buyer Comment (2025-06-23): please see appraisal | 06/23/2025 |  |  | 1 | D A B | D A C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33639349 | xxxxxx | 06/13/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Initial 1003 was not provided. Utilized application date from Fraud Report. |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive |  |  | 06/12/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33726682 | xxxxxx | 06/23/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-06-27): CU reports provided with 1.5 and 1.0 scores from xxxxxx and xxxxxx.<br>Reviewer Comment (2025-06-27): No new documents uploaded to trailing documents. Last upload was xxxxxx Please try uploading again.<br>Buyer Comment (2025-06-26): please see SSR with score under 2.5 which is acceptable per guides. | 06/27/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33726753 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The gift letters and receipt of funds for the $3,500 dated post-close. |  |  |  | Reviewer Comment (2025-06-27): Loan is NonQM. | 06/27/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes |
| xxxxxx | 838307 | xxxxxx | 33726754 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | The gift letters and receipt of funds for the $3,500 dated post-close. |  |  |  | Reviewer Comment (2025-06-27): Client elects to waive<br>Reviewer Comment (2025-06-27): Regraded to xxxxxx based on sufficient compensating factors. |  |  | 06/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33726755 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The gift letters and receipt of funds for the $3,500 dated post-close. |  |  |  | Reviewer Comment (2025-06-27): Client elects to waive |  |  | 06/27/2025 | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33726759 | xxxxxx | 06/23/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of $455.35 is less than AUS Available for Reserves of $3,432.00. | Receipt for actual gifts provided post-review. The $5,000 gift was for the EMD and cannot double count. The xxxxxx 30 days account was removed from assets. | 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>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-06-27): Client elect to waive with verified compensation factors |  |  | 06/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33726761 | xxxxxx | 06/23/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of $45,578.62 is less than AUS qualifying asset balance of $46,900.07. | Receipt for actual gifts provided post-review. The $5,000 gift was for the EMD and cannot double count. The xxxxxx 30 days account was removed from assets. | 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>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-06-27): Client elect to waive with verified compensation factors<br>Reviewer Comment (2025-06-27): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated qualifying asset balance of $45,578.62 is less than AUS qualifying asset balance of $45,813.66. |  |  | 06/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838307 | xxxxxx | 33797170 | xxxxxx | 06/27/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Post Disaster Inspection + xxxxxx - 2 Days |  |  |  | Reviewer Comment (2025-06-29): PDI received<br>Reviewer Comment (2025-06-29): Valuation Received - xxxxxx  | 06/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 838615 | xxxxxx | 33991324 | xxxxxx | 07/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose certificate only lists xxxxxx and is signed by xxxxxx. Provide the cert for xxxxxx. |  |  |  | Reviewer Comment (2025-08-28): Received updated Business Purpose Certificate signed by xxxxxx. Exception cleared.<br>Buyer Comment (2025-08-28): xxxxxx please see executed BP letter | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No |
| xxxxxx | 838615 | xxxxxx | 33991326 | xxxxxx | 07/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Provide the Guarantor Cert for both individuals. |  |  |  | Reviewer Comment (2025-09-03): Received Guaranty Agreement. Exception cleared.<br>Buyer Comment (2025-09-02): xxxxxx please see Guarantor agreement | 09/03/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No |
| xxxxxx | 838615 | xxxxxx | 33991353 | xxxxxx | 07/24/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 1.16 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.25. | Investor approval for DSCR below 1.25 with loan amount less than $150,000 | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | Experienced investor owns and manages 1 or more properties for 12 months | xxxxxx<br>xxxxxx<br>| Reviewer Comment (2025-07-24): Client elects to waive with verified compensation factors |  |  | 07/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No |
| xxxxxx | 838713 | xxxxxx | 34067160 | xxxxxx | 08/01/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI and RCE has city as xxxxxx and Note has xxxxxx. |  |  |  | Reviewer Comment (2025-08-20): Updated RCE provided<br>Buyer Comment (2025-08-19): xxxxxx please see updated RCE.<br>Reviewer Comment (2025-08-07): Received same hazard insurance policy which was already in file. Provide updated RCE. Exception remains.<br>Buyer Comment (2025-08-06): xxxxxx Lender response: Dec page with RCE<br>Reviewer Comment (2025-08-05): Dec page provided for HOI updating city. Pending receipt of updated RCE.<br>Buyer Comment (2025-08-04): xxxxxx Updated HOI | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 838834 | xxxxxx | 33887987 | xxxxxx | 07/16/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal is missing the unit numbers xxxxxx and reflects the City as xxxxxx. Note has unit numbers and reflects the City as xxxxxx |  |  |  | Reviewer Comment (2025-08-05): Updated CDA provided<br>Buyer Comment (2025-08-05): Please see attached Corrected CDA.<br>Reviewer Comment (2025-08-04): CDA provided reflects xxxxxx vs xxxxxx.<br>Buyer Comment (2025-08-01): Please see attached Revised Appraisal.<br>Reviewer Comment (2025-07-21): The appraisal and CDA provided are not for the subject property. Subject property is xxxxxx vs. xxxxxx.<br>Buyer Comment (2025-07-18): Please see attached - The City is xxxxxx on all documents. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 838834 | xxxxxx | 33887991 | xxxxxx | 07/16/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | CDA is missing the unit numbers xxxxxx and reflects the City as xxxxxx. Note has unit numbers and reflects the City as xxxxxx |  |  |  | Reviewer Comment (2025-08-04): Updated appraisal provided<br>Reviewer Comment (2025-07-21): The appraisal and CDA provided are not for the subject property. Subject property is xxxxxx vs. xxxxxx.<br>Buyer Comment (2025-07-18): Please see attached updated CDA. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 838834 | xxxxxx | 33931791 | xxxxxx | 07/16/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard has the City as xxxxxx. The Note reflects the City as xxxxxx. |  |  |  | Reviewer Comment (2025-08-07): Received corrected HOI Policy. Exception cleared.<br>Buyer Comment (2025-08-06): Please see attached updated HOI.<br>Reviewer Comment (2025-08-05): The condition does not pertain to the CDA but HOI.<br>Buyer Comment (2025-08-05): Please see attached Corrected CDA.<br>Reviewer Comment (2025-07-21): The Note does not reflect xxxxxx. The Note for property xxxxxx reflects xxxxxx.<br>Buyer Comment (2025-07-18): The city reflects xxxxxx on the Note and HOI | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 839886 | xxxxxx | 34259587 | xxxxxx | 08/07/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The Credit Report in missing. |  |  |  | Reviewer Comment (2025-08-12): Foreign national<br>Buyer Comment (2025-08-07): No credit report required due to borrower being a Foreign National xxxxxx ssn | 08/12/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No |
| xxxxxx | 840358 | xxxxxx | 33765224 | xxxxxx | 06/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-26): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-08-26): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines |  |  | 08/26/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| xxxxxx | 840358 | xxxxxx | 33765225 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | xxxxxx | Reviewer Comment (2025-09-24): Updated PDI provided dated xxxxxx: No Damage<br>Buyer Comment (2025-07-15): Please see attached. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| xxxxxx | 840358 | xxxxxx | 33765345 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xxxxxx disclosed an inaccurate APR of 8.71400% compared to the actual APR at consummation of 9.01090% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (8.714%) changed more than the 0.125%(regular transaction) threshold compared to the actual/calculated APR at consummation (9.0109%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-15): Client elects to waive. SOL 1 year expires xxxxxx<br>Buyer Comment (2025-07-09): Investor agrees to accept as xxxxxx, SOL 1yr and will expire on xxxxxx Please add to securitization tape |  |  | 07/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. B C A | Non QM | Non QM | No |
| xxxxxx | 840358 | xxxxxx | 33765346 | xxxxxx | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  |  |  | Reviewer Comment (2025-07-15): Client elects to waive. SOL 1 year expires xxxxxx<br>Buyer Comment (2025-07-09): Investor agrees to accept as xxxxxx, SOL 1yr and will expire on xxxxxx Please add to securitization tape |  |  | 07/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. B C A | Non QM | Non QM | No |
| xxxxxx | 840358 | xxxxxx | 33774677 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-12): The client elects to waive.<br>Buyer Comment (2025-08-08): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines<br>Reviewer Comment (2025-07-15): The document attached is the DOT for the Senior lien which is not sufficient. The guidelines require a copy of the original senior lien Note.<br>Buyer Comment (2025-07-15): Please see attached. |  |  | 08/12/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| xxxxxx | 840358 | xxxxxx | 33774694 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. |  | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-06-27): Client elects to waive |  |  | 06/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| xxxxxx | 840358 | xxxxxx | 33796941 | xxxxxx | 06/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final Title: Reflects xxxxxx vs. xxxxxx. |  |  |  | Reviewer Comment (2025-07-15): Updated FTP provided<br>Buyer Comment (2025-07-15): Please see attached. | 07/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| xxxxxx | 840358 | xxxxxx | 33797054 | xxxxxx | 06/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 81.73596% exceeds Guideline combined loan to value percentage of 80.00000%. | Max for xxxxxx CES | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. |  | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-07-09): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-07-09): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines |  |  | 07/09/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| xxxxxx | 840358 | xxxxxx | 33938899 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. | Disaster Name: xxxxxx; <br> Disaster Declaration date: xxxxxx; <br> Most Recent Disaster End date: xxxxxx | Per the DI provided, there is noted property xxxxxx. |  |  |  | Reviewer Comment (2025-09-24): Updated PDI provided dated xxxxxx: No Damage<br>Buyer Comment (2025-09-24): see attached | 09/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| xxxxxx | 840661 | xxxxxx | 34006313 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-20): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-08-19): 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 - DSCR > 1.3 / Compensating Factor 3 - Credit Score 10 points > minimum required<br>Reviewer Comment (2025-08-18): The Guarantor Agreement is signed post-close. Guidelines require the GA to be signed at closing.<br>Buyer Comment (2025-08-18): xxxxxx please see attached |  |  | 08/20/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 840661 | xxxxxx | 34029870 | xxxxxx | 07/25/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The Note signature lines do not reflect the Borrowing Entity, only the Guarantor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-07-24): Client elects to waive with verified compensation factors |  |  | 07/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 840661 | xxxxxx | 34029883 | xxxxxx | 07/25/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Properties listed for sale in the past 6 months are allowed with a 3 year PPP. Loan does not have a PPP. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-07): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-08-07): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DSCR > 1.3 / Compensating Factor 2 - Experienced investor owns and manages 2 or more properties for 12 months / Compensating Factor 3 - 0x30 for 24 months on all mortgages |  |  | 08/07/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 840661 | xxxxxx | 34029911 | xxxxxx | 07/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unit xxxxxx is < 400 square feet. xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-07): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-08-07): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DSCR > 1.15 / Compensating Factor 2 - Experienced investor owns and manages 2 or more properties for 12 months / Compensating Factor 3 - 0x30 for 24 months on all mortgages |  |  | 08/07/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 840661 | xxxxxx | 34029929 | xxxxxx | 07/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The DOT + Riders signature do not reflect the Borrowing Entity, only Guarantor. Provide the corrected and executed DOT + Riders, LOE to borrower, evidence of delivery to borrower and lender's LOI. |  |  |  | Reviewer Comment (2025-08-20): Evidence of delivery provided<br>Buyer Comment (2025-08-20): xxxxxx Lender response: please see attached communication to borrower. Please note that two emails were included in the upload, because the mortgage was too large to attach along with the rest of the docs. xxxxxx<br>Reviewer Comment (2025-08-18): Received LOE to borrower, Lender's LOI, corrected and executed DOT + Riders. Pending receipt of evidence of delivery to the borrower. The email to borrower only had the Guarantor Agreement attached vs. corrected documents.<br>Buyer Comment (2025-08-18): xxxxxx please see attached | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 840723 | xxxxxx | 34249405 | xxxxxx | 08/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's name is misspelled on all documents. The borrower's name per the driver's license is xxxxxx vs. xxxxxx. |  |  |  | Reviewer Comment (2025-09-16): Evidence of delivery provided<br>Buyer Comment (2025-09-16): See attached email to borrower with docs<br>Reviewer Comment (2025-09-15): The LOE is not acceptable. A response to this question was emailed to the investor on 9/11: We can accept an attestation from the borrower that they received the LOE and corrected documents or the lender can attach everything and email to the borrower and send it that way as the borrower did provide an email address for use.<br>Buyer Comment (2025-09-12): See LOE, it was mailed by xxxxxx mail. Would seller need attestation from borrower that he did receive and corrected the docs.<br>Reviewer Comment (2025-09-08): Received corrected Note and recorded xxxxxx Affidavit which is for DOT. Still pending receipt of corrected PPP addendum to the Note, and evidence of delivery to the borrower (providing a tracking number in Clarity comments is not acceptable. Provide the delivery confirmation to the borrower).<br>Buyer Comment (2025-09-08): xxxxxx! Copies of the corrected Note, Allonge and Recorded xxxxxx Affidavit correcting the DOT have been uploaded. The original note and allonge have been sent via UPS Tracking # xxxxxx. Please let us know if you need anything further once you have received and reviewed the documents, xxxxxx!<br>Reviewer Comment (2025-09-04): Comments in Clarity on 9/4 appear to be for the Seller: See DD comments from 9/3 and investor comments on 9/4.<br>Buyer Comment (2025-09-04): // Reviewer Comment (2025-09-03): Received LOE to borrower, corrected PC-CD, 1003, BP cert and Occupancy Cert. These corrections were made by the lender and will need investor approval. In addition, the Note + addendums, DOT + Riders were not provided with corrections along with evidence of delivery to the borrower and Lender's LOI. <br>xxxxxx cannot approve this condition until the collateral is corrected and returned. A copy of the collateral docs must be uploaded to this condition to get it cleared, please wait until all docs are in and uploaded before this conditon is sent back to investor.<br>Reviewer Comment (2025-09-03): Received LOE to borrower, corrected PC-CD, 1003, BP cert and Occupancy Cert. These corrections were made by the lender and will need investor approval. In addition, the Note + addendums, DOT + Riders were not provided with corrections along with evidence of delivery to the borrower and Lender's LOI.<br>Buyer Comment (2025-09-03): See attached corrected docs | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 840785 | xxxxxx | 34235752 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The Business Purpose Cert in file does not have the box after item # 7 checked or initialed. |  |  |  | Reviewer Comment (2025-09-15): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-09-11): Please see the BP Cert. xxxxxx | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 840898 | xxxxxx | 33891070 | xxxxxx | 07/11/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Per guidelines, actual or estimated rents must be within 120% of each other. The property is tenant occupied and a lease was not provided nor does the 1007 reflect actual rents. |  |  |  | Reviewer Comment (2025-08-07): Updated 1007 provided with actual rents. Per comments in Clarity, the lender was mistaken in saying this is STR and it is actual long term rents.<br>Buyer Comment (2025-08-05): xxxxxx Please see revised 1007 containing current rent info reported at $5000/mo. Lender informed us that their processors were mistaken to think this is STR. It is LTR as verified by appraiser. Subject currently being rented on month-to-month basis and lease agreement is not available. Policy restricts LTV to max 70% if lease agreement is not available which loan falls under. Please review and proceed with long term rent calculation for this transaction<br>Reviewer Comment (2025-08-04): An email was provided from the lender to investor indicating property was an STR. 1007 provided with actual rents for long term. Lender to provide attestation regarding property use.<br>Buyer Comment (2025-08-01): xxxxxx please see attached<br>Reviewer Comment (2025-07-29): Updated 1007 provided which does not provide any of the requirement from the guidelines for STR as well as the 1007 reflects long term rents. The guidelines do not state for refinances that are STR, long term rents can be utilized.<br>Buyer Comment (2025-07-29): xxxxxx please see revised 1007 | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 841316 | xxxxxx | 34201667 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report missing in file. Must contain all participants. |  |  |  | Reviewer Comment (2025-08-26): Received updated Fraud report including all the participants. Exception cleared.<br>Buyer Comment (2025-08-26): See attached updated Fraud Report on page 18.<br>Reviewer Comment (2025-08-21): Received Fraud report, however, OFAC search not run on Seller, Authorized Signatory, xxxxxx. Exception remains.<br>Buyer Comment (2025-08-20): See attached Fraud report | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 841316 | xxxxxx | 34201670 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  | 1st page of Condo Rider is missing. Has Schedule A from title covering rider. |  |  |  | Reviewer Comment (2025-08-21): Clear Condo Rider provided<br>Buyer Comment (2025-08-20): See attached condo rider on page 12 | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 841316 | xxxxxx | 34201708 | xxxxxx | 08/19/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investor must own a primary residence and DSCR must be > 1.00. First time investor rents and DSCR is < 1.00. The exception granted is for DSCR only. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | LTV 10% or more below the maximum allowed under applicable guidelines | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-04): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-09-04): 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<br>Reviewer Comment (2025-08-22): Guidelines do state how long a borrower must own an investment REO in order to be experienced which is 1+ years. The borrower is not experienced and this is a separate exception.<br>Buyer Comment (2025-08-21): Borrower is not a first time investor. They have current ownership in an investment. Guidelines do not state how long they need to have ownership. They would not be considered a first time investor.<br>Reviewer Comment (2025-08-21): The LOE is not acceptable and condition cannot be waived. The condition is not stating the borrower is a FTHB but First time investor. Per guidelines, first time investors must own a primary residence and DSCR must be > 1.00. The borrower does not own a primary residence. Exception was only granted for DSCR < 1.00. This is a separate exception.<br>Buyer Comment (2025-08-21): See attached LOE |  |  | 09/04/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 841316 | xxxxxx | 34236069 | xxxxxx | 08/19/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.84 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.01. | First time investors require a > 1.00 DSCR. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | LTV 10% or more below the maximum allowed under applicable guidelines | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-18): Client elects to waive with verified compensation factors |  |  | 08/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 841568 | xxxxxx | 34283146 | xxxxxx | 08/29/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Provide Gift Letter for $30,000 from xxxxxx as it is missing in the file. |  |  |  | Reviewer Comment (2025-10-01): Received Gift Letter for $30,000 from xxxxxx. Exception cleared.<br>Buyer Comment (2025-09-30): See gift letter | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 841568 | xxxxxx | 34301466 | xxxxxx | 08/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR provided from a private party must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental statements including payment history, etc,). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-08): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-06): 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 20 points > minimum required / Compensating Factor 3 - Residual income more than 2x the amount required by guidelines |  |  | 10/08/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 841568 | xxxxxx | 34301631 | xxxxxx | 08/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $845.00 exceeds tolerance of $750.00. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $750.00 on LE but disclosed as $845.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $95.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-04): SitusAMC received COC dated xxxxxx <br>Buyer Comment (2025-09-02): COC for appraisal | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| xxxxxx | 841568 | xxxxxx | 34312119 | xxxxxx | 08/29/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | 1) Provide the pre-close appraisal. Appraisal in file is dated post-close 2) The DOT has a PUD rider attached, however the updated appraisal in file dated post-close does not reflect PUD or PUD dues. Provide re-corrected updated appraisal. If property is not a PUD, then provide the corrected and executed DOT removing PUD rider, LOE to borrower, evidence of delivery to the borrower and lender's LOI. |  |  |  | Reviewer Comment (2025-09-25): Preclose appraisals provided<br>Buyer Comment (2025-09-24): Appraisal signed xxxxxx and appraisal dated xxxxxx eviewer Comment (2025-09-10): Effective date is when the appraiser was assigned the report. The completion date is when it was completed. Both completion dates are post close. Provide the pre-close appraisal (this is the report completed prior to any updates being requested).<br>Buyer Comment (2025-09-10): Appraisal report effective date xxxxxx . Note date xxxxxx .<br>Reviewer Comment (2025-09-09): Received updated appraisal reflecting PUD and HOA dues. Still pending receipt of appraisal dated prior to closing. The appraisals provided in file at time of review and post review are post-close.<br>Buyer Comment (2025-09-08): Please see attached Appraisal / SSR. | 09/25/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 841568 | xxxxxx | 34675050 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 399.96 on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) | Non-Escrowed property costs based on most recent appraisal provided post review is $200.04 (16.67/month x 12). |  |  |  | Reviewer Comment (2025-10-13): SitusAMC received corrected PCCD and LOE<br>Buyer Comment (2025-10-09): See LOX and Corrected Closing Disclosure |  | 10/13/2025 |  | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| xxxxxx | 841855 | xxxxxx | 34063311 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-11): Received Approval. Exception cleared.<br>Buyer Comment (2025-08-08): Please see attached Approval. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 841855 | xxxxxx | 34063331 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Must include all participants. |  |  |  | Reviewer Comment (2025-08-13): Received Fraud and OFAC search run on borrower with suffix xxxxxx. Also red flag was also addressed. Exception cleared.<br>Buyer Comment (2025-08-12): Please see attached Fraud Report.<br>Reviewer Comment (2025-08-06): Received full fraud report, however there is red flag that is not addressed, also, fraud and OFAC search is not run on borrower with suffix xxxxxx. Exception remains.<br>Buyer Comment (2025-08-05): Please see attached Fraud Report. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 841855 | xxxxxx | 34063332 | xxxxxx | 07/31/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2025-08-06): Received full fraud report. Exception cleared.<br>Buyer Comment (2025-08-05): Please see attached Fraud Report. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 841855 | xxxxxx | 34063333 | xxxxxx | 07/31/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide corrected 1003 as mortgage of primary property reflects on investment property in Section 3. |  |  |  | Reviewer Comment (2025-08-11): Received corrected 1003. Exception cleared.<br>Buyer Comment (2025-08-08): Please see attached 1003. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 841855 | xxxxxx | 34063337 | xxxxxx | 07/31/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 11 months history provided for primary residence. 12 months required. |  |  |  | Reviewer Comment (2025-08-11): Received Property History Report which reflects previous mortgage. Exception cleared.<br>Buyer Comment (2025-08-08): Please see attached Property History and Email. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 841928 | xxxxxx | 34049213 | xxxxxx | 07/31/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Source of Fund for Gift Funds $147,143.31 is missing. |  |  |  | Reviewer Comment (2025-08-13): The source of the gift funds was provided.<br>Buyer Comment (2025-08-11): xxxxxx Lender response: The parents gifted $190,470.00 sent directly to title company-$43,326.69 refunded at closing=$147143.31. Parents gifted $190,470, however borrower required 10% own funds. Parents were refunded at closing $43,326.69. Borrower sent $64,000 from his business account xxxxxx. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 841928 | xxxxxx | 34049215 | xxxxxx | 07/31/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Bank Statement is in the name of non-borrower. EMD is paid from same account, therefore provide gift letter for $63,490. |  |  |  | Reviewer Comment (2025-08-13): Evidence of the EMD was provided<br>Buyer Comment (2025-08-11): xxxxxx please see attached | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 841928 | xxxxxx | 34049222 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx. |  |  |  | Reviewer Comment (2025-08-13): Received Fraud and OFAC searches run on Property Seller, xxxxxx. Exception cleared.<br>Buyer Comment (2025-08-12): xxxxxx please see attached | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 841928 | xxxxxx | 34152244 | xxxxxx | 08/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per investor email, allowing escrows to be removed post-close. Provide the updated final stamped settlement statement removing escrows, refund of escrows collected to borrower, proof of escrow account cancellation, LOE to borrower and evidence of delivery to borrower. |  |  |  | Reviewer Comment (2025-09-02): Received CD signed by borrower and email from title verifying preparation along with IEDS reflecting HOI and taxes removed from escrows.<br>Buyer Comment (2025-08-29): xxxxxx please see final PCCD and email from Title confirming their preparation. Please see Lender attestation to confirm cancellation of escrow account from their system<br>Reviewer Comment (2025-08-27): The same document was provided that was provided on xxxxxx Please review the previous comments on remaining items. Received LOE to borrower, corrected PC-CD (lender generated document), escrow refund check, and mailing label (reflects delivered). Pending receipt of updated final stamped settlement statement removing escrows and proof of escrow account cancellation (i.e. escrow waiver or other system generated document reflect cancelled).<br>Buyer Comment (2025-08-26): xxxxxx please see PCCD<br>Reviewer Comment (2025-08-22): Received LOE to borrower, corrected PC-CD (lender generated document), escrow refund check, and mailing label (reflects delivered). Pending receipt of updated final stamped settlement statement removing escrows and prof of escrow account cancellation (i.e. escrow waiver or other system generated document reflect cancelled).<br>Buyer Comment (2025-08-22): xxxxxx please see attached. | 09/02/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 841966 | xxxxxx | 34110923 | xxxxxx | 08/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-07): Received Business Purpose Certificate. Exception cleared.<br>Seller Comment (2025-08-07): Please see attached<br>Reviewer Comment (2025-08-07): Received Business Purpose and Occupancy Affidavit, however, please provide separate Business Purpose Certificate. Exception remains.<br>Seller Comment (2025-08-06): Please see attached | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 842423 | xxxxxx | 34368858 | xxxxxx | 09/10/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2025-09-15): FTP provided | 09/15/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 842423 | xxxxxx | 34396654 | xxxxxx | 09/10/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Property is listed for sale, however evidence of listing removal was not provided. Must be prior to the Note date. |  |  |  | Reviewer Comment (2025-09-11): Listing removal provided dated prior to Note date<br>Buyer Comment (2025-09-11): xxxxxx please see listing removal attached | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 842423 | xxxxxx | 34396660 | xxxxxx | 09/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Address: Title reflects xxxxxx vs xxxxxx |  |  |  | Reviewer Comment (2025-09-15): FTP provided<br>Buyer Comment (2025-09-12): xxxxxx Title report shows xxxxxx | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 842434 | xxxxxx | 34044341 | xxxxxx | 07/31/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Subject was listed on xxxxxx and was not withdrawn from market. | 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. |  | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-12): The client elects to waive.<br>Buyer Comment (2025-08-08): 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<br>Reviewer Comment (2025-08-04): A termination of listing agreement is a termination between the RE broker and borrower. It is not evidence of listing withdrawal. Provide evidence the property was removed from the xxxxxx at or prior to closing.<br>Buyer Comment (2025-08-01): Listing removal for lot 2<br>Buyer Comment (2025-08-01): Emailed xxxxxx for more information |  |  | 08/12/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 842434 | xxxxxx | 34098877 | xxxxxx | 07/31/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Daily rental rate was not provided on STR 1007. |  |  |  | Reviewer Comment (2025-08-02): 1007 provided with daily rental rate<br>Buyer Comment (2025-08-01): Please see AMC condition D54, the appraisal has a 1007 with a second page with daily rentals. | 08/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 842434 | xxxxxx | 34099024 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Blanket lien on title. |  |  |  | Reviewer Comment (2025-08-26): Recorded satisfaction of full mortgage provided covering all partial lien releases on title.<br>Buyer Comment (2025-08-26): The blanket mortgage covers subject property and xxxxxx. Which both have been reviewed by AMC. Both loans have been closed this is the satisfaction of mortgage on one of the properties. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 842452 | xxxxxx | 34022934 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $132.00 exceeds tolerance of $118.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-07-23): Sufficient Cure Provided At Closing |  | 07/23/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxxxx | 842452 | xxxxxx | 34022941 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  |  |  | Reviewer Comment (2025-07-31): SitusAMC received CDs.<br>Buyer Comment (2025-07-30): Please see attached CDs | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| xxxxxx | 842452 | xxxxxx | 34022943 | xxxxxx | 07/29/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-07-30): Title search provided<br>Buyer Comment (2025-07-30): See title | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 842452 | xxxxxx | 34022985 | xxxxxx | 07/29/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-07-28): Client elects to waive. Two AVMs from separate companies were used for value. This is a CES loan. |  |  | 07/28/2025 | 2 | A | A B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 842452 | xxxxxx | 34067415 | xxxxxx | 07/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage history for xxxxxx REO DLA xxxxxx. Supplement states institutional refused to provide updated history. |  |  |  | Reviewer Comment (2025-08-12): Even though the credit report has DLA of xxxxxx the payments are through 5/25, and a xxxxxx statement was provided to show the current activity.<br>Reviewer Comment (2025-08-05): The same documents were provided that were in file at time of review. Dat4e of Report is not the date of last activity. The DLA is 9/2024. Need current mortgage history per guidelines.<br>Buyer Comment (2025-08-01): Please see attached credit report along with xxxxxx and xxxxxx statements showing rental credit history from xxxxxx. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 842452 | xxxxxx | 34067789 | xxxxxx | 07/29/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | 1) VVOE for xxxxxx is dated > 10 days prior to the Note date 2) The VVOE for xxxxxx is dated post close. All VVOE's must be within 10 days prior to the Note date or a paystub provided dated within 30 days prior to the Note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-05): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-08-05): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Subject property home ownership > 10 years / Compensating Factor 3 - Employed at same job > 10 years<br>Reviewer Comment (2025-08-04): VVOE for xxxxxx is dated post close and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing<br>Buyer Comment (2025-08-04): VVOE<br>Reviewer Comment (2025-07-30): The same VVOE's were provided that were in file at time of review. VVOE for xxxxxx is > 10 days prior to closing and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing<br>Buyer Comment (2025-07-30): Please see attached VVOEs prior to disbursement date of xxxxxx |  |  | 08/05/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 842452 | xxxxxx | 34067817 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | 1) VVOE for xxxxxx is dated > 10 days prior to the Note date 2) The VVOE for xxxxxx is dated post close. All VVOE's must be within 10 days prior to the Note date or a paystub provided dated within 30 days prior to the Note date. |  |  |  | Reviewer Comment (2025-08-05): Loan designation updated to Non-QM. Condition no longer applies.<br>Buyer Comment (2025-08-05): exception written for VVOE on condition xxxxxx should clear this compliance condition.<br>Reviewer Comment (2025-08-04): VVOE for xxxxxx is dated post close and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing<br>Buyer Comment (2025-08-04): See VVOE<br>Reviewer Comment (2025-07-30): The same VVOE's were provided that were in file at time of review. VVOE for xxxxxx is > 10 days prior to closing and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing<br>Buyer Comment (2025-07-30): Please see attached VVOEs prior to disbursement date of xxxxxx | 08/05/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxxxxx | 842452 | xxxxxx | 34067818 | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | 1) VVOE for xxxxxx is dated > 10 days prior to the Note date 2) The VVOE for xxxxxx is dated post close. All VVOE's must be within 10 days prior to the Note date or a paystub provided dated within 30 days prior to the Note date. |  |  |  | Reviewer Comment (2025-08-05): Loan designation updated to Non-QM. Condition no longer applies.<br>Buyer Comment (2025-08-05): exception written for VVOE on condition xxxxxx should clear this compliance condition.<br>Reviewer Comment (2025-08-04): VVOE for xxxxxx is dated post close and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing<br>Buyer Comment (2025-08-04): Need Post Close VVOE from xxxxxx.<br>Reviewer Comment (2025-07-30): The same VVOE's were provided that were in file at time of review. VVOE for xxxxxx is > 10 days prior to closing and the VVOE for xxxxxx is dated > 10 days prior to closing and additional VVOE's provided at time review post close. VVOE's need to be dated within 10 days prior to closing or a paystub provided within 30 days prior to closing<br>Buyer Comment (2025-07-30): Please see attached VVOEs prior to disbursement date of xxxxxx | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 842507 | xxxxxx | 34050333 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-05): Commitment letter provided<br>Buyer Comment (2025-08-04): Please see attached | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx |  | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 842507 | xxxxxx | 34050473 | xxxxxx | 07/30/2025 | Credit | Insurance | Insurance Documentation | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx | Provide the RCE's. |  |  |  | Reviewer Comment (2025-08-29): Recalculated RCE's provided<br>Buyer Comment (2025-08-29): see attached from the insurance agent<br>Reviewer Comment (2025-08-20): All RCE's are > 1 year old and not acceptable.<br>Buyer Comment (2025-08-20): Please see attached<br>Reviewer Comment (2025-08-07): It is not 80% of the loan amount for each property, it is 80% of the insured amount of the property which is determine by the RCE or estimated cost new of the appraisal. Provide the RCE's.<br>Buyer Comment (2025-08-06): The coverage of these properties is at or over 80% - xxxxxx (coverage xxxxxx and 80% is xxxxxx), xxxxxx (coverage is xxxxxx and 80% is xxxxxx), xxxxxx (coverage xxxxxx and 80% is xxxxxx)<br>Reviewer Comment (2025-08-05): The coverages are not sufficient and the RCE is required. Coverage of the loan amount is only acceptable if it covers 80% of the insured value vs 65%. The RCE's will need to be provided.<br>Buyer Comment (2025-08-04): xxxxxx appraised for xxxxxx and at 65% the required coverage is xxxxxx and we have xxxxxx. xxxxxx appraised for xxxxxx and at 65% xxxxxx is the required coverage and we have xxxxxx. xxxxxx appraised for xxxxxx and at 65% required xxxxxx coverage and we have xxxxxx. xxxxxx appraised for xxxxxx and at 65% required xxxxxx coverage and we have xxxxxx. xxxxxx appraised for xxxxxx and at 65% we only need xxxxxx and we have xxxxxx. xxxxxx appraised for xxxxxx and at 654% required xxxxxx and we have xxxxxx and xxxxxx appraised for xxxxxx which at 65% xxxxxx and we have xxxxxx. I show we are over insured on all properties | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx |  | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 842507 | xxxxxx | 34050553 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: xxxxxx | xxxxxx |  |  |  | Reviewer Comment (2025-08-05): Tax cert provided<br>Buyer Comment (2025-08-05): Please see attached | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx |  | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 842507 | xxxxxx | 34072867 | xxxxxx | 07/30/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM's provided for subject properties that do not appear on credit. VOM, 6 month pay history, and payoff provided. Provide a copy of the Note or recent mortgage statement for each. |  |  |  | Reviewer Comment (2025-08-14): Received Note for subject properties. Exception cleared.<br>Buyer Comment (2025-08-13): Please see attached Promissory Notes.<br>Buyer Comment (2025-08-13): Please see attached Promissory Note. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx |  | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 842507 | xxxxxx | 34072883 | xxxxxx | 07/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Multiple blanket liens on title. Additional title in file for Final is a Pro Forma which is not a Final Title policy. |  |  |  | Reviewer Comment (2025-08-15): The TPOL was provided.<br>Buyer Comment (2025-08-13): Please see attached Final Title policy.<br>Buyer Comment (2025-08-13): The blanket liens were all paid off at closing. You can see this based on the payoffs as well, please advise on why the final policy is needed when all MTGs were cleared.<br>Reviewer Comment (2025-08-05): Per the HUD, only a little over xxxxxx was paid through closing. The title reflects a xxxxxx cross collateral line as well as title also requires cancellation / release of this lien. Item # xxxxxx <br>Buyer Comment (2025-08-05): The blanket liens were all paid off at closing. You can see this based on the payoffs as well, please advise on why the final policy is needed when all MTGs were cleared. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx |  | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 842507 | xxxxxx | 34073076 | xxxxxx | 07/30/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Reflects xxxxxx for the property located at xxxxxx, |  |  |  | Reviewer Comment (2025-08-07): Updated flood cert provided<br>Buyer Comment (2025-08-05): please see attached | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx |  | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 842507 | xxxxxx | 34073199 | xxxxxx | 07/30/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Reflects xxxxxx for xxxxxx |  |  |  | Reviewer Comment (2025-08-07): Updated flood cert provided<br>Buyer Comment (2025-08-05): Please see attached | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx |  | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 842507 | xxxxxx | 34073218 | xxxxxx | 07/30/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Reflects xxxxxx for xxxxxx |  |  |  | Reviewer Comment (2025-08-07): Updated flood cert provided<br>Buyer Comment (2025-08-05): Please see attached | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx |  | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 842507 | xxxxxx | 34073413 | xxxxxx | 07/30/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2025-08-15): The TPOL was provided. | 08/15/2025 |  |  | 1 | A | A | xxxxxx |  | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 842507 | xxxxxx | 34073453 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxxxx cross collateral workbook is required to be completed by Seller per guidelines |  |  |  | Reviewer Comment (2025-08-07): Workbook provided<br>Buyer Comment (2025-08-05): The workbook was completed and loaded | 08/07/2025 |  |  | 1 | C A | C A D | xxxxxx |  | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 842668 | xxxxxx | 34585515 | xxxxxx | 09/30/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. |  |  |  | Reviewer Comment (2025-10-02): Undiscounted rate and price provided in trailing documents. Retested. Condition no longer applies.<br>Buyer Comment (2025-10-01): xxxxxx Lender response: Invalid condition, the Compliance testing has these values on section F located on page 104 of original credit package. Please see document attached again for reference. | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| xxxxxx | 842668 | xxxxxx | 34585516 | xxxxxx | 09/30/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. |  |  |  | Reviewer Comment (2025-10-02): Undiscounted rate and price provided in trailing documents. Retested. Condition no longer applies.<br>Buyer Comment (2025-10-01): xxxxxx Lender response: Invalid condition, the Compliance testing has these values on section F located on page 104 of original credit package. Please see document attached under Condition Code #xxxxxx for reference. | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| xxxxxx | 842668 | xxxxxx | 34585517 | xxxxxx | 09/30/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. |  |  |  | Reviewer Comment (2025-10-02): Undiscounted rate and price provided in trailing documents. Retested. Condition no longer applies.<br>Buyer Comment (2025-10-01): xxxxxx Lender response: Invalid condition, the Compliance testing has these values on section F located on page 104 of original credit package. Please see document attached under Condition Code #xxxxxx for reference. | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| xxxxxx | 842668 | xxxxxx | 34585518 | xxxxxx | 09/30/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. |  |  |  | Reviewer Comment (2025-10-02): Undiscounted rate and price provided in trailing documents. Retested. Condition no longer applies.<br>Buyer Comment (2025-10-01): xxxxxx Lender response: Invalid condition, the Compliance testing has these values on section F located on page 104 of original credit package. Please see document attached under Condition Code #xxxxxx for reference. | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| xxxxxx | 842668 | xxxxxx | 34585519 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 6.04673% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or 1.04673%). Non-Compliant High Cost Loan. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. |  |  |  | Reviewer Comment (2025-10-02): Undiscounted rate and price provided in trailing documents. Retested. Condition no longer applies. | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. D C | Non QM | Non QM | Yes |
| xxxxxx | 842668 | xxxxxx | 34585520 | xxxxxx | 09/30/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. |  |  |  | Reviewer Comment (2025-10-02): Undiscounted rate and price provided in trailing documents. Retested. Condition no longer applies.<br>Buyer Comment (2025-10-01): xxxxxx Lender response: Invalid condition, the Compliance testing has these values on section F located on page 104 of original credit package. Please see document attached under Condition Code #xxxxxx for reference. | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| xxxxxx | 842668 | xxxxxx | 34585522 | xxxxxx | 09/30/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) xxxxxx Covered Loan (Points and Fees) | xxxxxx Predatory Lending Law: Points and Fees on subject loan of 4.86582% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .86582%). Compliant High Cost Loan. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. |  |  |  | Reviewer Comment (2025-10-15): Per escalated review, updated undiscounted rate to -0.536 based on price of 100.536% from worksheet D0839. After re-testing, MD points and fees pass with no failures.<br>Buyer Comment (2025-10-13): xxxxxx Lender response: Please see the attached pricing information for this loan. The loan was locked on xxxxxx , and the discount points are excludable, per the compliance tests and pricing information. Please re-review. xxxxxx.<br>Reviewer Comment (2025-10-02): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: xxxxxx Predatory Lending Law: Points and Fees on subject loan of 6.04673% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or 2.04673%). Compliant High Cost Loan.<br>Buyer Comment (2025-10-01): xxxxxx Lender response: Invalid condition, the Compliance testing has these values on section F located on page 104 of original credit package. Please see document attached under Condition Code #xxxxxx for reference. | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No obvious cure D A C | Non QM | Non QM | No |
| xxxxxx | 842668 | xxxxxx | 34585554 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $110.00 exceeds tolerance of $60.00 plus 10% or $66.00. $44.00 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $110.00 exceeds tolerance of $60.00 plus 10% or $66.00. $44.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-02): xxxxxx please see attached. Lender's rebuttal and snippet showing tolerance worksheet, citing the $44 was applied. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxxxxx | 842668 | xxxxxx | 34585555 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $825.00 exceeds tolerance of $590.00. $235.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $825.00 exceeds tolerance of $590.00. $235.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-16): SitusAMC received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-14): xxxxxx Lender response: Please see the attached LOE. xxxxxx.<br>Reviewer Comment (2025-10-07): SitusAMC agreed that the provided COC stating, "scope of work required by appraiser". however, we required the reason as to what caused the property to be complex that the scope of work requested by the appraiser. Kindly provide detail reason for scope of work in order to clear the exception.<br>Buyer Comment (2025-10-03): xxxxxx please see Lender rebuttal. Lender responded that COC clearly states change in scope of work required by appraiser. Please specifically clarify what is insufficient about the COC<br>Reviewer Comment (2025-10-03): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-01): xxxxxx Lender response: COC was provided on pages 289-294 of original credit package. Please see attached COC. | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxxxxx | 842668 | xxxxxx | 34585567 | xxxxxx | 09/30/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The provided HOI policy in file does not reflect the Mortgagee Clause. |  |  |  | Reviewer Comment (2025-10-23): Updated HOI provided<br>Buyer Comment (2025-10-22): xxxxxx please see HOI attached | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| xxxxxx | 842668 | xxxxxx | 34585575 | xxxxxx | 09/30/2025 | 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 (2025-10-06): Email from title for updates provided<br>Buyer Comment (2025-10-03): xxxxxx please see email from Title<br>Reviewer Comment (2025-10-02): The incorrect and correct title policies are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title with updates).<br>Buyer Comment (2025-10-02): xxxxxx please see Title Commitment. | 10/06/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| xxxxxx | 842668 | xxxxxx | 34601483 | xxxxxx | 09/30/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The subject property subject property interior / exterior and comparable photos are missing as well as appraisal is not signed by the appraiser from the most recent appraisal with a completion date of xxxxxx . |  |  |  | Reviewer Comment (2025-10-02): Received Appraisal with interior / exterior and comparable photos. Exception cleared.<br>Buyer Comment (2025-10-01): xxxxxx please see signed full appraisal | 10/02/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| xxxxxx | 842668 | xxxxxx | 34737470 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $110.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  |  |  | Reviewer Comment (2025-10-16): Sufficient Cure Provided At Closing |  | 10/16/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| xxxxxx | 842718 | xxxxxx | 34261020 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-26): Received Eligibility Review with conditions. Exception cleared.<br>Buyer Comment (2025-08-26): Please see approval | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 842906 | xxxxxx | 34273479 | xxxxxx | 08/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-09-02): Received Approval. Exception cleared.<br>Buyer Comment (2025-08-29): Please see Approval attached. xxxxxx | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 843033 | xxxxxx | 34182284 | xxxxxx | 08/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Approval for allowing use of current rents with 1 month proof of receipt. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The qualifying DSCR on the loan is greater than the guideline minimum. | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-15): The client elects to waive. |  |  | 08/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 843033 | xxxxxx | 34187677 | xxxxxx | 08/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance has city as xxxxxx and Note has xxxxxx. |  |  |  | Reviewer Comment (2025-08-27): Received Insurance policy with corrected city name. Exception cleared.<br>Buyer Comment (2025-08-26): See attached updated HOI with correct city | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 843182 | xxxxxx | 34358596 | xxxxxx | 08/01/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx |  |  |  |  | Reviewer Comment (2025-08-26): Cleared.<br>Buyer Comment (2025-08-22): Final SS disbursement date xxxxxx  | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843184 | xxxxxx | 34091334 | xxxxxx | 04/15/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Guidelines require an explanation for the recent listing of the subject property. Listing cancelled on xxxxxx . Most recent list price of xxxxxx is lower than current appraised value of xxxxxx. Guidelines require recently listed properties to use the lower of the appraised value or the listing price to calculate the LTV. | 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 qualifying DSCR on the loan is greater than the guideline minimum. | 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 DSCR of 1.24 is greater than the minimum required DSCR of 1.0. | xxxxxx<br>xxxxxx<br>xxxxxx,Originator | Reviewer Comment (2025-04-22): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-04-18): exception |  |  | 11/06/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 843188 | xxxxxx | 34232122 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing verification of mortgage/rent for the primary address |  |  |  | Reviewer Comment (2025-08-08): Received property history report reflecting guarantor's additional business entity owns primary F&C.<br>Buyer Comment (2025-08-06): recorder site<br>Buyer Comment (2025-08-06): Auditor site<br>Buyer Comment (2025-08-06): xxxxxx owns the property; xxxxxx was the previous sale.<br>Reviewer Comment (2025-08-06): Property history report reflects the owner as a female. Provide verification that he either owns the building/apartment or he lives rent free with someone other than the spouse.<br>Buyer Comment (2025-08-04): loe<br>Buyer Comment (2025-08-04): Borrower owns commercial property free and clear<br>Buyer Comment (2025-08-04): property profile | 08/08/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 843188 | xxxxxx | 34232123 | xxxxxx | 08/01/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | Tax liens are required to be paid prior to or at closing. |  |  |  | Reviewer Comment (2025-08-06): Cleared with county document xxxxxx.<br>Buyer Comment (2025-08-04): judgement paid | 08/06/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 843190 | xxxxxx | 34232150 | xxxxxx | 08/06/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-08-11): Cleared with fraud report<br>Buyer Comment (2025-08-07): fraud | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 843191 | xxxxxx | 34232143 | xxxxxx | 08/06/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | The homeowner's insurance declarations page in the file verified an effective date of xxxxxx which is after the consummation date of xxxxxx . |  |  |  | Reviewer Comment (2025-08-11): Cleared with dec page reflecting coverage being effective as of xxxxxx .<br>Buyer Comment (2025-08-07): xxxxxx - Please see previous held policy prior to policy renewal<br>Buyer Comment (2025-08-07): Ins | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843196 | xxxxxx | 34232107 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The settlement statement provided is an estimate. Please provide final signed/stamped settlement statement. |  |  |  | Reviewer Comment (2025-08-06): Cleared with settlement statement.<br>Buyer Comment (2025-08-04): final SS | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843199 | xxxxxx | 34232125 | xxxxxx | 08/01/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Address on CDA does not match address listed on the Note. |  |  |  | Reviewer Comment (2025-08-08): cleared with cda<br>Buyer Comment (2025-08-06): CDA | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 843202 | xxxxxx | 34262342 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2025-08-14): Updated 1008 received in trailing docs, reflecting UW discretion for approving borrower living rent-free with someone other than a spouse.<br>Buyer Comment (2025-08-12): 1008 | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 843203 | xxxxxx | 34232109 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent-free with someone other than a spouse and file does not contain UW discretion used to approve the loan. |  |  |  | Reviewer Comment (2025-08-12): Cleared with UW Cert.<br>Buyer Comment (2025-08-08): uw cert | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxxxxx | 843203 | xxxxxx | 34232110 | xxxxxx | 07/31/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Closing statement in file reflects it is an estimate. Please provide final closing statement. |  |  |  | Reviewer Comment (2025-08-06): cleared with CS.<br>Buyer Comment (2025-08-02): Final SS | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxxxxx | 843216 | xxxxxx | 34262322 | xxxxxx | 07/25/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | All judgments and liens must be paid in full prior to or at closing. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | Guidelines Representative FICO: 700<br> Representative FICO: 749<br>Borrower's Experience/Track Record. The borrower has 15 Years of Experience. Currently holds 3 Properties. | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-15): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-13): exception<br>Reviewer Comment (2025-08-08): Guidelines do not indicate that if a lien has expired it must not be paid. The guidelines state all judgments and liens must be paid in full at or prior to closing. Lender can request to waive if they are accepting that tax lien has expired.<br>Buyer Comment (2025-08-06): state tax lien expiration 10 yrs.<br>Reviewer Comment (2025-07-31): This is for a tax lien not a judgment.<br>Buyer Comment (2025-07-30): judgement expired |  |  | 08/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxxxxx | 843231 | xxxxxx | 34232024 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Lender exception approved at origination for unable to fully verify rent payments due to paying using money orders. Comp factors FICO 788 and DSCR over 1.15. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Guidelines Representative FICO: 700<br> Representative FICO: 788<br>Debt Service Coverage Ratio: 1.54<br> Guideline Requirement: 1.00 | Originator,xxxxxx<br>Originator,xxxxxx | Reviewer Comment (2025-07-17): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-07-15): exception |  |  | 07/17/2025 | 2 | C B | C B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 843231 | xxxxxx | 34232025 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of Good Standing. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.54<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 788 | Originator,xxxxxx<br>Originator,xxxxxx | Reviewer Comment (2025-07-31): Waived with compensating factors at clients request.<br>Buyer Comment (2025-07-29): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-17): Document provided is dated xxxxxx , Note date is xxxxxx . Documentation dated on or before Note date is required.<br>Buyer Comment (2025-07-16): Cogs |  |  | 07/31/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 843231 | xxxxxx | 34232026 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing VOM for subject property. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Guidelines Representative FICO: 700<br> Representative FICO: 788<br>Debt Service Coverage Ratio: 1.54<br> Guideline Requirement: 1.00 | Originator,xxxxxx<br>Originator,xxxxxx | Reviewer Comment (2025-08-12): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-08): revised exception<br>Reviewer Comment (2025-08-06): Please prov ide further explanation.<br>Buyer Comment (2025-08-02): real estate contract<br>Buyer Comment (2025-08-02): Contract<br>Buyer Comment (2025-08-02): exception |  |  | 08/12/2025 | 2 | C B | C B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 843231 | xxxxxx | 34232027 | xxxxxx | 07/14/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-17): Received<br>Buyer Comment (2025-07-15): fraud summary<br>Buyer Comment (2025-07-15): fraud | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 843231 | xxxxxx | 34232028 | xxxxxx | 07/14/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Valuation effective date or Report date is more than 120 days prior to the Note Date or Notary Date. |  |  |  | Reviewer Comment (2025-07-17): Recertification of value received in trailing docs.<br>Buyer Comment (2025-07-16): 1004D | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 843234 | xxxxxx | 34232115 | xxxxxx | 07/31/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 74.00000% exceeds Guideline loan to value percentage of 70.00000%. | Lender requested an exception which was approved for LTV being above 70%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 146.93<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 785 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-06): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-08-04): exception |  |  | 08/06/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| xxxxxx | 843250 | xxxxxx | 34262344 | xxxxxx | 08/04/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | File is missing all pages of account statement ending in 1238. Only page 1 of 2 was provided. Per guidelines, statements must include all deposit and withdrawal transactions. |  |  |  | Reviewer Comment (2025-08-18): Complete statements received<br>Buyer Comment (2025-08-14): PFA as requested<br>Reviewer Comment (2025-08-08): Provide page 2 of March-April statement from xxxxxx.<br>Buyer Comment (2025-08-06): PFA as requested | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 843256 | xxxxxx | 34232030 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a satisfactory 12 month rent payment history. Additional conditions may apply. |  |  |  | Reviewer Comment (2025-08-08): Cleared with UW cert per lender credit memo.<br>Buyer Comment (2025-08-06): revised uw cert<br>Reviewer Comment (2025-08-04): The document provided does not list the underwriter discretion in approving the borrower living rent free with someone other than a spouse.<br>Buyer Comment (2025-07-31): Uw cert<br>Reviewer Comment (2025-07-18): Borrower is living rent free with someone other than a spouse, which does not meet guideline requirements.<br>Buyer Comment (2025-07-16): D0238 lives rent free | 08/08/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No |
| xxxxxx | 843278 | xxxxxx | 34232021 | xxxxxx | 07/07/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.88 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | The lender used the higher lease amount to qualify the loan; however, the file does not contain the required 2 months rent receipt. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 50.55<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 749 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-14): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-12): Please find exception attached. xxxxxx.<br>Buyer Comment (2025-08-12): Please find lease confirming mthly rent of $2400.<br>Buyer Comment (2025-08-12): Please find bank statement reflecting $2400 mth rent. |  |  | 08/14/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 843322 | xxxxxx | 34091510 | xxxxxx | 07/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The signature page is missing from the Note. Provide a complete Note with all pages. |  |  |  | Reviewer Comment (2025-07-20): Received complete note<br>Buyer Comment (2025-07-17): Note | 07/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843322 | xxxxxx | 34091511 | xxxxxx | 07/15/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Insurance declaration page list xxxxxx as the Mortgagee. The s was not provided at the end of xxxxxx. The lender should be xxxxxx. Provide updated insurance document to reflect xxxxxx ISAOA/ATIMA. |  |  |  | Reviewer Comment (2025-07-20): Corrected HOI received<br>Buyer Comment (2025-07-17): Ins | 07/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843335 | xxxxxx | 34262330 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer identification number is missing in file. |  |  |  | Reviewer Comment (2025-08-18): Cleared with SSN.<br>Buyer Comment (2025-08-15): Please see loe addressing no EIN number. xxxxxx. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843335 | xxxxxx | 34262331 | xxxxxx | 07/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final HUD-1. |  |  |  | Reviewer Comment (2025-08-18): Cleared with HUD.<br>Buyer Comment (2025-08-14): Please see attached Final SS | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843336 | xxxxxx | 34358582 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement is missing. |  |  |  | Reviewer Comment (2025-08-28): cleared with Guaranty.<br>Buyer Comment (2025-08-26): Guarantee Agreement Attached | 08/28/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No |
| xxxxxx | 843346 | xxxxxx | 34358585 | xxxxxx | 07/30/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-08-26): cleared with ofac.<br>Buyer Comment (2025-08-22): Please find clear OFAC attached. xxxxxx. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxxxxx | 843349 | xxxxxx | 34358587 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The Security Instrument is missing borrower's signature page. |  |  |  | Reviewer Comment (2025-08-22): cleared with the updated SI.<br>Buyer Comment (2025-08-20): ALL PAGES of Recorded Mortgage with Signature page included | 08/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No |
| xxxxxx | 843349 | xxxxxx | 34358588 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The settlement statement provided is an estimate. Please provide final signed/stamped settlement statement. |  |  |  | Reviewer Comment (2025-08-15): cleared with hud<br>Buyer Comment (2025-08-13): Attached Final SS | 08/15/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No |
| xxxxxx | 843355 | xxxxxx | 34262304 | xxxxxx | 07/21/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal was made subject to and 442 is not in images. |  |  |  | Reviewer Comment (2025-07-24): clear<br>Buyer Comment (2025-07-22): Final Inspection | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843355 | xxxxxx | 34262306 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-08-20): cleared with COGS<br>Reviewer Comment (2025-08-20): No documents provided for this.<br>Buyer Comment (2025-08-18): Please accept in place of cert of good standing as it reflects the same information. xxxxxx. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843355 | xxxxxx | 34262307 | xxxxxx | 07/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Per operating agreement, there are 2 members of borrowing entity; however, only one signed loan documents. Please provide corporate resolution/signing authority for our guarantor to bind borrowing entity on subject transaction. |  |  |  | Reviewer Comment (2025-08-20): cleared with signing authorization.<br>Buyer Comment (2025-08-19): Please find confirmation of signing ability from all parties attached. xxxxxx. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843361 | xxxxxx | 34232035 | xxxxxx | 07/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Closing statement provided does not list settlement/disbursement date, nor does it show any prepaid interest dates. Please provide final signed/stamped certified settlement statement for transaction. |  |  |  | Reviewer Comment (2025-08-06): Cleared with HUD/CS.<br>Buyer Comment (2025-08-04): Attached updated SS with dates on it<br>Reviewer Comment (2025-07-25): Same document provided as what we have. At minimum, provide SS with settlement date and disbursement date listed.<br>Buyer Comment (2025-07-23): attached is SS | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843362 | xxxxxx | 34358573 | xxxxxx | 07/22/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Credit Report date xxxxxx is more than 90 days prior to the note date xxxxxx . |  |  |  | Reviewer Comment (2025-08-26): cleared with new credit report.<br>Buyer Comment (2025-08-22): Updated credit report attached. xxxxxx.<br>Buyer Comment (2025-08-22): Please find credit report update attached. xxxxxx.<br>Reviewer Comment (2025-08-20): Per the dates listed, it is over 120 days old.<br>Buyer Comment (2025-08-18): Please note per xxxxxx guidelines credit is good for 120 days. xxxxxx. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843362 | xxxxxx | 34358574 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxxxx, a xxxxxx limited liability company Articles of Organization is missing in file. |  |  |  | Reviewer Comment (2025-08-20): cleared with AOO<br>Buyer Comment (2025-08-18): Please find articles of organization. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843362 | xxxxxx | 34358575 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxxxx, a xxxxxx limited liability company certificate of Good Standing is missing in file. |  |  |  | Reviewer Comment (2025-08-20): cleared<br>Buyer Comment (2025-08-18): Cert of Good Standing. xxxxxx. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843362 | xxxxxx | 34358576 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxxxx, a xxxxxx limited liability company Corporate Resolution is missing in file. |  |  |  | Reviewer Comment (2025-08-20): cleared with Operating Agreement<br>Buyer Comment (2025-08-18): Please note LLC is not required in the state of xxxxxx to file a Corporate Resolution. xxxxxx. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843362 | xxxxxx | 34358577 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxxxx, a xxxxxx limited liability company Operating Agreement is missing in file. |  |  |  | Reviewer Comment (2025-08-20): cleared with O/A<br>Buyer Comment (2025-08-18): Operating agreement attached. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843362 | xxxxxx | 34358578 | xxxxxx | 07/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the Security Instrument disclosing the date of notary signature. |  |  |  | Reviewer Comment (2025-08-26): cleared with corrected Sec Inst.<br>Buyer Comment (2025-08-22): See attached with visible notary signature. xxxxxx.<br>Buyer Comment (2025-08-22): Please find updated credit report attached. xxxxxx. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843364 | xxxxxx | 34262333 | xxxxxx | 07/30/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-08-19): cleared with CDA.<br>Buyer Comment (2025-08-18): CDA | 08/19/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No |
| xxxxxx | 843364 | xxxxxx | 34262334 | xxxxxx | 07/30/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Lender approved exception to allow 80% LTV versus program maximum of 75% LTV for condo purchase transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 65.96<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 807 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-07-30): Waived with compensating factors per lender exception approval at origination. |  |  | 07/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No |
| xxxxxx | 843370 | xxxxxx | 34232077 | xxxxxx | 07/30/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | The Hazard Insurance Policy Effective Date is xxxxxx after the later of the note date. |  |  |  | Reviewer Comment (2025-08-04): updated HOI received in trailing docs.<br>Buyer Comment (2025-07-31): Ins | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 843370 | xxxxxx | 34232079 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrower disclosed citizenship status as Permanent Resident on the final 1003, however, the Employment Authorization Card is provided in the file. Please clarify and update citizenship status. |  |  |  | Reviewer Comment (2025-08-04): Corrected 1003 received in trailing documents updating citizenship to non-permanent resident.<br>Buyer Comment (2025-08-02): certificate<br>Buyer Comment (2025-08-02): 1003 | 08/04/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 843370 | xxxxxx | 34232080 | xxxxxx | 07/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was approved to allow collection of xxxxxx to remain open xxxxxx program requirement collection and charge-offs < 24 months old with a maximum cumulative balance of xxxxxx may remain open with compensating factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 155.26<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 740 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-07-30): Waived with compensating factors per lender exception approval at origination. |  |  | 07/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 843370 | xxxxxx | 34232082 | xxxxxx | 07/30/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | There are red flags on the fraud report that have not been addressed. |  |  |  | Reviewer Comment (2025-08-04): Alerts summary with all red flags addressed received in trailing docs.<br>Buyer Comment (2025-07-31): Fraud summary | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 843372 | xxxxxx | 34358590 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing. |  |  |  | Reviewer Comment (2025-08-06): cleared with fraud report.<br>Buyer Comment (2025-08-02): Fraud | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 843372 | xxxxxx | 34358591 | xxxxxx | 07/31/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud report is missing. |  |  |  | Reviewer Comment (2025-08-06): cleared with fraud report.<br>Buyer Comment (2025-08-02): see attached fraud | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 843372 | xxxxxx | 34358593 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | File is missing HO-6 policy. Only the loss payee change and invoice pages were provided. Please provide full HO-6 policy for review. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 31.15<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 783 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-25): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-21): endorsement<br>Buyer Comment (2025-08-21): email<br>Buyer Comment (2025-08-21): exception |  |  | 08/25/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 843372 | xxxxxx | 34358594 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing evidence of the 6/2025 payment for the primary residence. Date of last activity on credit report is 5/2025 and loan closed xxxxxx . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 31.15<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 783 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-06): Waived with compensating factors at clients request.<br>Buyer Comment (2025-08-02): guidelines permit 1x30 late payment. please waive condition |  |  | 08/06/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 843375 | xxxxxx | 34232104 | xxxxxx | 07/31/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Closing statement provided indicates it is an estimate. Please provide final closing statement. |  |  |  | Reviewer Comment (2025-08-05): Cleared with final HUD.<br>Buyer Comment (2025-08-01): Final SS | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843380 | xxxxxx | 34232065 | xxxxxx | 07/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | Reviewer Comment (2025-08-04): Final settlement statement received in trailing docs<br>Buyer Comment (2025-07-31): Final SS | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843380 | xxxxxx | 34232066 | xxxxxx | 07/29/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for borrowing Trust. |  |  |  | Reviewer Comment (2025-08-04): Received<br>Buyer Comment (2025-07-31): Fraud | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843383 | xxxxxx | 34232091 | xxxxxx | 07/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD is missing in the file. |  |  |  | Reviewer Comment (2025-08-06): Cleared with HUD/CS.<br>Buyer Comment (2025-08-04): Attached find the Settlement Statement FINAL | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843387 | xxxxxx | 34232046 | xxxxxx | 07/25/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-31): Cleared with alert summary.<br>Buyer Comment (2025-07-29): Fraud summary | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843388 | xxxxxx | 34232112 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing evidence of the 6/2025 mortgage payment on the primary residence. Borrower is a first time investor and requires a 0x30x12 housing payment history. |  |  |  | Reviewer Comment (2025-08-12): Cleared with June bank statement from xxxxxx.<br>Buyer Comment (2025-08-08): D0110 xxxxxx payment to xxxxxx for $6220.85 does match the credit supplement. you are referring to a wire for $5000. This is not the payment.<br>Reviewer Comment (2025-08-06): The amount from the wire does not match the payment amount listed on credit supplement.<br>Buyer Comment (2025-08-02): D0110 xxxxxx payment to xxxxxx mortgage. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 843390 | xxxxxx | 34232084 | xxxxxx | 07/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide final settlement statement stamped true and certified or signed by borrower. |  |  |  | Reviewer Comment (2025-08-13): Received<br>Buyer Comment (2025-08-11): Please see attached Final SS | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843399 | xxxxxx | 34232094 | xxxxxx | 07/30/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2025-08-04): Final title received in trailing docs | 08/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843399 | xxxxxx | 34232095 | xxxxxx | 07/30/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Property is listed as of xxxxxx with a listing price xxxxxx. |  |  |  | Reviewer Comment (2025-08-13): Borrower LOE and evidence listing removed received in trailing docs.<br>Buyer Comment (2025-08-11): listing removed<br>Reviewer Comment (2025-08-04): Received borrower LOE; however, the xxxxxx printout does not reflect an off-market date.<br>Buyer Comment (2025-08-01): listing removed<br>Buyer Comment (2025-07-31): loe | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843399 | xxxxxx | 34232096 | xxxxxx | 07/30/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  |  | Reviewer Comment (2025-08-04): Final title received reflecting sufficient coverage<br>Buyer Comment (2025-08-01): final | 08/04/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843401 | xxxxxx | 34232052 | xxxxxx | 07/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The settlement statement provided disclosed it is an estimate. Please provide final signed/stamped settlement statement. |  |  |  | Reviewer Comment (2025-08-04): Received final settlement statement<br>Buyer Comment (2025-07-31): final SS | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843404 | xxxxxx | 34262303 | xxxxxx | 07/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | The file contains 2 different Prepayment Penalty Note Addendums. One addendum states the PPP is 5% for 5 years and second one state 6 months interest on PPP that exceed 20% of original principal balance. Provide clarification on which PPP Addendum is the correct one. |  |  |  | Reviewer Comment (2025-08-19): Received correspondence from lender that the 5% 5 year prepay, which matches the PPP on the signed final closing statement, is correct PPP on subject loan.<br>Reviewer Comment (2025-08-18): Provide verification from lender attesting that the incorrect PPP addendum will be destroyed as per the comments.<br>Buyer Comment (2025-08-14): See email from xxxxxx confirming that 5% 5yr PPP is correct version.<br>Reviewer Comment (2025-07-23): An LOA from lender attesting to which PPP is correct, and that the incorrect PPP will be destroyed.<br>Buyer Comment (2025-07-21): The 5% for 5 years is the correct Addendum. I xxxxxx for the confusion, the other should have been removed from the file prior to submission. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| xxxxxx | 843405 | xxxxxx | 34358589 | xxxxxx | 07/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.81 is less than Guideline PITIA months reserves of 2.00. | Provide Bank Statement to cover reserve requirements as per guidelines. Provided one insufficient asset reserves requirement. |  |  |  | Reviewer Comment (2025-08-27): Cleared with updated assets.<br>Buyer Comment (2025-08-25): Updated statement dated prior to close showing additional reserves needed for closing. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 843407 | xxxxxx | 34262309 | xxxxxx | 07/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are 2 liens reported on title and only 1 was paid at closing. Provide evidence both liens are satisfied and released.<br>1 - xxxxxx<br> 2 - xxxxxx |  |  |  | Reviewer Comment (2025-08-18): Cleared with notarized lien release verifying the property has been released form lien held by private party.<br>Buyer Comment (2025-08-14): Please see the attached Release, legal description on the attached indicates the release of the subject property from the xxxxxx lien. Per Schedule A the lien is held against two properties and paragraph (a) of Section 23 of the D0167 lien allows for the release. | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843409 | xxxxxx | 34091522 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The Certificate of Good Standing is not dated; therefore, it cannot be determined if the document meets the guideline requirement of no more than 90 days old from the date of the Promissory Note. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): Good standing from June<br>Reviewer Comment (2025-07-14): Document provided is the annual registration filing, dated xxxxxx . Per guidelines, COGS must be dated no more than 90 days prior to Note date of xxxxxx . Lender can request to waive if accepting this document.<br>Buyer Comment (2025-07-10): Good standing attached | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843466 | xxxxxx | 34144549 | xxxxxx | 08/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage not reporting on credit report for primary Residence - xxxxxx Provide 1. 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer 2. Proof of borrower's payment for the most recent 6-months is required |  |  |  | Reviewer Comment (2025-08-25): Received 12-months mortgage statements for the review period, Mortgage statement. Exception cleared<br>Buyer Comment (2025-08-22): See Mortgage Statement | 08/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843466 | xxxxxx | 34144617 | xxxxxx | 08/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI shows xxxxxx Note shows xxxxxx. |  |  |  | Reviewer Comment (2025-08-22): Received corrected HOI document. Exception cleared.<br>Buyer Comment (2025-08-21): updated HOI | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843515 | xxxxxx | 34713496 | xxxxxx | 10/14/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-10-16): FTP provided | 10/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 843515 | xxxxxx | 34713649 | xxxxxx | 10/14/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2025-10-16): Received E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-10-15): Please see attached e-Consent | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 843515 | xxxxxx | 34725738 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Final CD reflects a PPP. |  |  |  | Reviewer Comment (2025-10-16): Received Note Addendum - Prepayment. Exception cleared.<br>Buyer Comment (2025-10-15): Please see attached Prepay Addendum. | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | Yes |
| xxxxxx | 843515 | xxxxxx | 34726209 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Provide the clear title policy. Judgments and Liens on title. |  |  |  | Reviewer Comment (2025-10-16): Clear FTP provided<br>Buyer Comment (2025-10-16): Please see attached Title. | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 843515 | xxxxxx | 34726502 | xxxxxx | 10/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  |  | Reviewer Comment (2025-10-17): Received credit refresh report dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-10-15): Please see attached Gap Report. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 843515 | xxxxxx | 34726534 | xxxxxx | 10/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for subject property does not appear on credit. VOM, Mortgage Statement, Payoff, and 5 months borrower pay history provided. Provide 1 additional month pay history. |  |  |  | Reviewer Comment (2025-10-15): Evidence provided companies are one in the same, subsidiaries for the 3/2025 payment noted on bank statements. 6 month pay history provided in file.<br>Buyer Comment (2025-10-15): Please see the attached to validate xxxxxx and xxxxxx are the same company- xxxxxx is a subsidiary of xxxxxx, but operating under the same parent company.<br>Reviewer Comment (2025-10-15): Email to investor: I do not see the 3/2025 or 4/2025 payment noted in the comments below. I see the 8/2025, 7/2025, 6/2025, 5/2025 (x2 so assuming maybe this was for 4/2025). The cancelled check on xxxxxx on the xxxxxx bank statement for $600 shows it was made out to xxxxxx vs xxxxxx Long Term (as indicated on the other payments). | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 843552 | xxxxxx | 34147466 | xxxxxx | 07/16/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $25,454.92 is less than Cash From Borrower $121,333.87. | Require additional assets to meet cash from borrower requirement. |  |  |  | Reviewer Comment (2025-07-30): Assets provided, exception cleared.<br>Buyer Comment (2025-07-25): xxxxxx Team,<br>Any update on the exception clearing?<br>Buyer Comment (2025-07-21): Attached, please find the asset documentation for the above referenced loan. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 843620 | xxxxxx | 34197484 | xxxxxx | 08/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Bylaws not provided. According to the SOS Articles of Incorporation filed xxxxxx Entity is a Corporation with 10K stock shares issued. File contains an Operating Agreement dated xxxxxx that reflects the entity is an LLC and a Corporation and filed with the xxxxxx as an LLC. An Entity cannot be both an LLC and a Corporation. |  |  |  | Reviewer Comment (2025-08-29): Received Bylaws. Exception cleared.<br>Buyer Comment (2025-08-27): See attached Bylaws | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843670 | xxxxxx | 34091332 | xxxxxx | 03/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for allow multiple ADUs (xxxxxx total) vs program requirement only one ADU per xxxxxx- unit property with comp factors 1. DSCR greater than 1.15%<br> 2. Reserves minimum of 6 months or greater from borrower's own funds. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reserves: 42.30<br> Guideline Requirement: 2.00<br>Debt Service Coverage Ratio: 1.64<br> Guideline Requirement: 1.00 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-03-20): Waived with compensating factors per lender exception approval at origination. |  |  | 03/20/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxxxxx | 843677 | xxxxxx | 34091465 | xxxxxx | 06/27/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 2918.00 | All judgments and liens must be paid in full prior to or at closing. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-06-30): Please see page 3 on the attached FRAUD Report. | 07/02/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No |
| xxxxxx | 843679 | xxxxxx | 34232117 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. This does not meet the guidelines. |  |  |  | Reviewer Comment (2025-08-07): Cleared with UW comment on the 1008 per lenders credit memo.<br>Buyer Comment (2025-08-06): please clear exception<br>Reviewer Comment (2025-08-06): Cleared with 1008/UW Comment per lender credit memo.<br>Buyer Comment (2025-08-05): 1008<br>Buyer Comment (2025-08-05): uw cert | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 843679 | xxxxxx | 34232118 | xxxxxx | 07/31/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | xxxxxx reviewed reflects non-warranable. |  |  |  | Reviewer Comment (2025-08-06): Cleared with condo approval/documents.<br>Buyer Comment (2025-08-04): project approval<br>Buyer Comment (2025-08-04): disregard previous comment; see revised project approval<br>Buyer Comment (2025-08-04): property is Non-Warrantable xxxxxx which is permitted per guidelines | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 843679 | xxxxxx | 34232119 | xxxxxx | 07/31/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: xxxxxx // Account Type: Individual Retirement Account (IRA) / Account Number: xxxxxx | Provide an updated statement for xxxxxx account. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: 1.45<br> Guideline Requirement: 0.75 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-11): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-07): exception |  |  | 08/11/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 843679 | xxxxxx | 34232120 | xxxxxx | 07/31/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 652 is less than Guideline representative FICO score of 700. | FICO score 652 does not meet required 700 for DSCR under 1.0. Additional comparable rent schedule with higher short term rent is not from original appraiser. |  |  |  | Reviewer Comment (2025-08-07): Rent income increased per new 1007 performed by different appraiser. Received LOX from lender indicating original appraiser on vacation and appraiser from same AMC used to complete 1007<br>Buyer Comment (2025-08-05): LOE | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 843680 | xxxxxx | 34232135 | xxxxxx | 08/04/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $125,000.00. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $125,000.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 40.30<br> Guideline Requirement: 2.00<br>The qualifying DSCR on the loan is greater than the guideline minimum. | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-07): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-08-05): xxxxxx - Please see attached Exception |  |  | 08/07/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 843680 | xxxxxx | 34232136 | xxxxxx | 08/04/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 693 is less than Guideline representative FICO score of 700. | 693 FICO score does not meet minimum FICO score 700 required for cash out refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 40.30<br> Guideline Requirement: 2.00<br>The qualifying DSCR on the loan is greater than the guideline minimum. | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-07): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-08-05): xxxxxx - Please see attached Exception |  |  | 08/07/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 843680 | xxxxxx | 34232137 | xxxxxx | 08/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower was living rent free with someone other than a spouse to complete 12 month housing history between xxxxxx and xxxxxx xxxxxx. This does not meet the guidelines. |  |  |  | Reviewer Comment (2025-08-07): Per credit memo, exception cleared with LOX from UW.<br>Buyer Comment (2025-08-05): xxxxxx - Please see attached from UW | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 843681 | xxxxxx | 34232139 | xxxxxx | 08/04/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | All liens must be paid in full prior to or at closing. |  |  |  | Reviewer Comment (2025-08-08): Cleared with evidence of pay plan.<br>Buyer Comment (2025-08-06): IRS payment plan | 08/08/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| xxxxxx | 843685 | xxxxxx | 34232133 | xxxxxx | 08/01/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee does not reflect xxxxxx, LLC. The xxxxxx is missing from xxxxxx. |  |  |  | Reviewer Comment (2025-08-06): cleared with updated HOI.<br>Buyer Comment (2025-08-04): PFA | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 843686 | xxxxxx | 34232129 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The Security Instrument is missing the pages signed by borrower and notary. |  |  |  | Reviewer Comment (2025-08-06): Cleared with Sec Inst.<br>Buyer Comment (2025-08-04): DOT | 08/06/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 843690 | xxxxxx | 34262351 | xxxxxx | 08/06/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-08-11): cleared with fraud report.<br>Buyer Comment (2025-08-07): Fraud | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843690 | xxxxxx | 34262352 | xxxxxx | 08/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Guarantor's Permanent Resident card expired in 2023. Please provide evidence of renewal and continuance. |  |  |  | Reviewer Comment (2025-08-18): cleared with I 797<br>Buyer Comment (2025-08-14): I797 form case type was I751- Petition to remove conditions pg 394<br>Buyer Comment (2025-08-14): per guidelines, -551 – Conditional Permanent Resident Card (Green Card) issued for 2 years that has an expiration date, if it is accompanied by a copy of xxxxxx form I-751 requesting removal of the conditions.<br>Reviewer Comment (2025-08-11): Current passport or Green card is required for permanent resident alien.<br>Buyer Comment (2025-08-07): 1-797 | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843705 | xxxxxx | 34091361 | xxxxxx | 05/08/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | 442 document not found in file. |  |  |  | Reviewer Comment (2025-06-19): clear<br>Buyer Comment (2025-06-17): 1004D | 06/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843709 | xxxxxx | 34262336 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide a signed Operating Agreement with list of members verifying the ownership percentage of the Guarantor. |  |  |  | Reviewer Comment (2025-08-08): cleared with operating agreement.<br>Buyer Comment (2025-08-06): signature page | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 843709 | xxxxxx | 34262337 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-08-14): received<br>Buyer Comment (2025-08-12): final SS | 08/14/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 843715 | xxxxxx | 34678824 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement Missing in Loan File. |  |  |  | Reviewer Comment (2025-08-07): Cleared with single member Operating Agreement.<br>Buyer Comment (2025-08-05): Please see attached doc. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxxxxx | 843715 | xxxxxx | 34678826 | xxxxxx | 08/04/2025 | 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 | Secondary Valuation missing in Loan File. |  |  |  | Reviewer Comment (2025-08-13): cleared with CDA.<br>Buyer Comment (2025-08-11): PFA | 08/13/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxxxxx | 843715 | xxxxxx | 34678827 | xxxxxx | 08/04/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Rider - Acknowledgment and Waiver of Borrower's Rights not provided |  | The Security Instrument did not provide a Notary signature date. Please provide a xxxxxx Acknowledgment and Waiver of Borrower's rights disclosing the date the Security Instrument was notarized. |  |  |  | Reviewer Comment (2025-09-16): Cleared with Notary page.<br>Reviewer Comment (2025-09-15): Provide Notary date.<br>Buyer Comment (2025-09-11): Top left of DOT provided reflects Page 1 of 29 and record date<br>Reviewer Comment (2025-09-10): The cover page of the security instrument recording indicates 27 pages were recorded; however, 29 pages were provided. Please provide evidence the signature page containing the notary date was part of the recorded document. In the state of xxxxxx, the Acknowledgment and Waiver of Borrower's rights disclosing the date the Security Instrument was notarized is the document used to verify the notary date.<br>Buyer Comment (2025-09-08): xxxxxx - DOT<br>Reviewer Comment (2025-08-13): Missing Notary date.<br>Buyer Comment (2025-08-12): Please see attached doc.<br>Reviewer Comment (2025-08-07): Missing Notary date.<br>Buyer Comment (2025-08-05): Please see attached doc. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxxxxx | 843715 | xxxxxx | 34678828 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing operating agreement to determine signing authority for borrowing entity. |  |  |  | Reviewer Comment (2025-08-07): Cleared with single member Operating Agreement.<br>Buyer Comment (2025-08-05): Please see attached doc. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxxxxx | 843715 | xxxxxx | 34678829 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The full Fraud Report is missing from the file. |  |  |  | Reviewer Comment (2025-08-07): Cleared with Fraud Report and Alert Summary.<br>Buyer Comment (2025-08-05): Please see attached doc. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxxxxx | 843715 | xxxxxx | 34678830 | xxxxxx | 08/04/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  |  |  | Reviewer Comment (2025-08-07): Cleared with Fraud Report and Alert Summary.<br>Buyer Comment (2025-08-05): Please see attached doc. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxxxxx | 843715 | xxxxxx | 34678831 | xxxxxx | 08/04/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for borrowing entity. |  |  |  | Reviewer Comment (2025-08-07): Cleared with OFAC.<br>Buyer Comment (2025-08-05): Please see OFAC search. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| xxxxxx | 843719 | xxxxxx | 34091388 | xxxxxx | 06/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approving Borrower paying rent in cash to private landlord with supporting VOR and most recent 12 months handwritten receipt vs program requirement of a lease and most recent 12 months rent verification. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 10.47<br> Guideline Requirement: 2.00<br>The qualifying DSCR on the loan is greater than the guideline minimum. | xxxxxx<br>xxxxxx | Reviewer Comment (2025-06-09): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-06-05): exception |  |  | 06/09/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| xxxxxx | 843719 | xxxxxx | 34091389 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Page 2/Signature page of document is missing. |  |  |  | Reviewer Comment (2025-06-13): clear<br>Buyer Comment (2025-06-11): Affadavit | 06/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| xxxxxx | 843719 | xxxxxx | 34091390 | xxxxxx | 06/04/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 68.29268% exceeds Guideline loan to value percentage of 65.00000%. | Lender approved exception allowing 70% LTV with 633 FICO vs program minimum FICO of 640 to 70% LTV with DSCR 1 minimum on rate and term transaction. Compensating factors DSCR 1.15 or greater and reserves minimum of 6 months or greater from borrower own funds. Unable to waive and regrade, the file is missing the lender exception approval form. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 10.47<br> Guideline Requirement: 2.00<br>The qualifying DSCR on the loan is greater than the guideline minimum. | xxxxxx<br>xxxxxx | Reviewer Comment (2025-06-09): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-06-05): see attached exception |  |  | 06/09/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| xxxxxx | 843719 | xxxxxx | 34091391 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The subject property is located in xxxxxx and the borrowing business entity was filed in xxxxxx. The file is missing the Certificate of Good Standing from xxxxxx. |  |  |  | Reviewer Comment (2025-06-09): clear<br>Buyer Comment (2025-06-06): cogs | 06/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| xxxxxx | 843719 | xxxxxx | 34091392 | xxxxxx | 06/04/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The file is missing the OFAC search for the borrowing business entity. |  |  |  | Reviewer Comment (2025-06-09): clear<br>Buyer Comment (2025-06-05): Fraud | 06/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| xxxxxx | 843719 | xxxxxx | 34091393 | xxxxxx | 06/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | The file is missing the lender exception approval form for the two guideline exceptions. |  |  |  | Reviewer Comment (2025-06-09): clear<br>Buyer Comment (2025-06-05): see attached exception | 06/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| xxxxxx | 843831 | xxxxxx | 34350023 | xxxxxx | 09/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for title as Tract 2 being easement estate the land is in per title. Per title report, the company is prohibited from insuring the area or quantity of the land described herein. Non-exclusive Easement Estate in and to 20 non-exclusive easement estate. Pending exception request to proceed as we allow ownership to be fee simple or leasehold title. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves exceed requirement by 10 months or more | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-05): Client elects to waive with verified compensation factors |  |  | 09/05/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No |
| xxxxxx | 843856 | xxxxxx | 34278285 | xxxxxx | 08/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note Address is xxxxxx which is not reflected on the HO6 |  |  |  | Reviewer Comment (2025-09-02): Updated HO6 provided<br>Buyer Comment (2025-09-02): xxxxxx please see EOI<br>Reviewer Comment (2025-08-29): The updated HOI does not reflect the ISAOA by the Mortgagee and Inc is in front of the mortgagee as well as premium is not listed.<br>Buyer Comment (2025-08-29): xxxxxx please see attached | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 843856 | xxxxxx | 34278287 | xxxxxx | 08/28/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note Address is xxxxxx which is not reflected on the flood cert |  |  |  | Reviewer Comment (2025-08-29): Flood Cert provided<br>Buyer Comment (2025-08-29): xxxxxx please see attached | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 844105 | xxxxxx | 34171116 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  |  |  | Reviewer Comment (2025-08-22): Received OFAC Search result for missing participant. Exception cleared.<br>Buyer Comment (2025-08-22): xxxxxx please see attached | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 844105 | xxxxxx | 34171131 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-22): Received Approval document. Exception cleared.<br>Buyer Comment (2025-08-22): xxxxxx please see attached. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 844105 | xxxxxx | 34171240 | xxxxxx | 08/13/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Please provide spousal consent form as borrower is married. |  |  |  | Reviewer Comment (2025-08-28): Spousal consent provided<br>Buyer Comment (2025-08-28): xxxxxx please see attached | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 844110 | xxxxxx | 34602503 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . xxxxxx dba xxxxxx | Tax Return extension for the year 2024 is provided in the file. |  |  |  | Reviewer Comment (2025-10-02): Client elects to waive |  |  | 10/02/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 844110 | xxxxxx | 34602506 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,075.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | 09/30/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxxxx | 844110 | xxxxxx | 34602541 | xxxxxx | 10/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. <br> • Any new tradeline with a balance must be included in determining the DTI ratio. |  |  |  | Reviewer Comment (2025-10-21): Received Credit Report - Gap. Exception cleared.<br>Buyer Comment (2025-10-20): Please see the UDN Report. xxxxxx! | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 844110 | xxxxxx | 34602542 | xxxxxx | 10/03/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The provided Flood Certificate in file reflects an apt # of xxxxxx vs Note address reflects an apt # of xxxxxx xxxxxx". Provide an updated Flood Certificate matching the Note address/apt #. |  |  |  | Reviewer Comment (2025-10-21): Updated flood cert provided<br>Buyer Comment (2025-10-20): Please see the uploaded Flood Cert. xxxxxx! | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 844110 | xxxxxx | 34602553 | xxxxxx | 10/03/2025 | 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 (2025-10-27): Received UCDP with risk score. Exception cleared.<br>Buyer Comment (2025-10-24): Please see attached UCDP/SSR score of 1.8. | 10/27/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 844110 | xxxxxx | 34632233 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Paystubs | YTD paystub required with a borrower W2's themselves. |  |  |  | Reviewer Comment (2025-11-03): The CPA letter provided notes borrower did not receive W2 wages in 2024, therefore YTD paystub not available or required.<br>Buyer Comment (2025-10-30): Please see the CPA Letter. xxxxxx!<br>Reviewer Comment (2025-10-21): The rebuttal is not acceptable. 2024 business / personal returns not provided. Loan qualified off of 2022/2023. YTD paystub is required.<br>Buyer Comment (2025-10-21): Sellers rebuttal: borrowers W2 themselves in 2023 but no longer do | 11/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 844110 | xxxxxx | 34632240 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | YTD paystub required with a borrower W2's themselves. |  |  |  | Reviewer Comment (2025-11-03): The CPA letter provided notes borrower did not receive W2 wages in 2024, therefore YTD paystub not available or required.<br>Buyer Comment (2025-10-30): Please see the CPA Letter. xxxxxx!<br>Reviewer Comment (2025-10-21): The rebuttal is not acceptable. 2024 business / personal returns not provided. Loan qualified off of 2022/2023. YTD paystub is required. | 11/03/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| xxxxxx | 844110 | xxxxxx | 34632241 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | YTD paystub required with a borrower W2's themselves. |  |  |  | Reviewer Comment (2025-11-03): The CPA letter provided notes borrower did not receive W2 wages in 2024, therefore YTD paystub not available or required.<br>Buyer Comment (2025-10-30): Please see the CPA Letter. xxxxxx!<br>Reviewer Comment (2025-10-21): The rebuttal is not acceptable. 2024 business / personal returns not provided. Loan qualified off of 2022/2023. YTD paystub is required. | 11/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| xxxxxx | 844174 | xxxxxx | 34282693 | xxxxxx | 08/29/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification, Insurance Verification, Other | 1) Provide evidence the property is free and clear 2) Provide the master HOI to support borrower did not require / has no HO6. The LOE alone is not sufficient. 3) Provide evidence the property has no HOA dues as the LOE from the borrower states this is a condo. The LOE alone is not sufficient. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-20): The client elects to waive<br>Buyer Comment (2025-10-16): The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / 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<br>Reviewer Comment (2025-10-03): Received property profile report reflecting free and clear and xxxxxx Search verifying no HOA dues. Pending receipt of blanket HOI as borrower does not have independent policy and LOE states covered under blanket policy.<br>Buyer Comment (2025-10-01): See attached property report showing no liens. Also the xxxxxx listing showing No HOA. |  |  | 10/20/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 844174 | xxxxxx | 34312015 | xxxxxx | 08/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the following Entity documents: 1) Limited partner consents (Unanimous Consent) |  |  |  | Reviewer Comment (2025-10-01): Per client email, accepting Borrowing Cert in lieu of.<br>Reviewer Comment (2025-09-29): Received borrowing certificate is not acceptable. Per guidelines, Limited partner consents is required. Exception remains.<br>Buyer Comment (2025-09-26): See attached Borrowing Cert | 10/01/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 844174 | xxxxxx | 34312052 | xxxxxx | 08/29/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Per the borrower's LOE, the use of proceeds is to make improvements to the "properties he owns". Borrower owns subject, 1 additional REO and primary. C/O proceeds cannot be utilized for personal use on a business purpose loan. If providing a revised LOE, investor will also need to approve. |  |  |  | Reviewer Comment (2025-09-30): Client is accepting LOE as is that borrower is using proceeds only for business purpose as direct indication of "primary residence" is not verified and business purpose cert in file. Requested clearance.<br>Reviewer Comment (2025-09-30): Received Business Purpose certificate reflects Improve existing propert that does not list for which properties borrower will utilize funds. Also received snip of 1003 is also not acceptable, the LOX must be from borrower. Exception remains.<br>Buyer Comment (2025-09-26): See attached business purpose cert and LOE | 09/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 844228 | xxxxxx | 34282409 | xxxxxx | 08/28/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  |  |  | Reviewer Comment (2025-09-02): Final HUD provided<br>Seller Comment (2025-09-02): Please see attached | 09/02/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 844228 | xxxxxx | 34282449 | xxxxxx | 08/28/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note shows city name xxxxxx VS. flood certificate - xxxxxx |  |  |  | Reviewer Comment (2025-08-29): Flood cert provided<br>Seller Comment (2025-08-29): Please see attached | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 844228 | xxxxxx | 34282473 | xxxxxx | 08/28/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Note shows city name xxxxxx VS. CDA shows city - xxxxxx |  |  |  | Reviewer Comment (2025-09-04): Updated CDA provided<br>Seller Comment (2025-09-04): Please see attached | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| xxxxxx | 844373 | xxxxxx | 34644440 | xxxxxx | 10/09/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | Investor exception for loan amount under $150,000. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Total debt payment reduced more than $500/month | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-08): Client elects to waive with verified compensation factors |  |  | 10/08/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 844373 | xxxxxx | 34668712 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.36967% or Final Disclosure APR of 8.37400% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Mortgage Loan. | Verification appraisal was delivered to borrower at least 3 business days prior to closing was not provided for both appraisals. |  |  |  | Reviewer Comment (2025-10-14): Appraisal acknowledgment provided<br>Buyer Comment (2025-10-13): Please see attached evidence of receipt of Appraisal. | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 844373 | xxxxxx | 34668713 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Verification appraisal was delivered to borrower at least 3 business days prior to closing was not provided with a completion date of xxxxxx. |  |  |  | Reviewer Comment (2025-10-14): Appraisal acknowledgment provided | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 844373 | xxxxxx | 34668715 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:55176 xxxxxx | Verification appraisal was delivered to borrower at least 3 business days prior to closing was not provided with a completion date of xxxxxx. |  |  |  | Reviewer Comment (2025-10-14): Appraisal acknowledgment provided | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 844373 | xxxxxx | 34674419 | xxxxxx | 10/09/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | All liens must be paid in full. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Total debt payment reduced more than $500/month | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-10): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-10): The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - Reserves exceed requirement by 6 months or more / Compensating Factor 3 - DSCR > 1.15 |  |  | 10/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 844402 | xxxxxx | 34229974 | xxxxxx | 08/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide evidence of the new PITIA (concurrent refinance). |  |  |  | Reviewer Comment (2025-09-04): Received Final CD to verify PITIA. Exception cleared.<br>Buyer Comment (2025-09-03): Please see final signed CD from concurrent refinance. xxxxxx! | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844402 | xxxxxx | 34229977 | xxxxxx | 08/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | For property located at xxxxxx provide Mortgage Statement, if taxes and insurance are not escrowed then required documents of taxes and insurance. If there is an HOA on the property, then require evidence for the same. |  |  |  | Reviewer Comment (2025-09-04): Received Mortgage statement and HOA Statement. Exception cleared.<br>Buyer Comment (2025-09-03): Please see mortgage and HOA statement for xxxxxx. xxxxxx! | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844402 | xxxxxx | 34230175 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | The Collateral Desktop Analysis Fee was not disclosed on the initial Loan Estimate and was charged $165.00 on the loan estimate dated xxxxxx without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-09-12): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-09-10): Please see provided Cure; PC-CD, LOE, Check, Tracking. xxxxxx!<br>Reviewer Comment (2025-09-09): SitusAMC received corrected Closing disclosure. However, the LOE to borrower was not located in trailing documents. Also, FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing and LOX is required to borrower to complete remediation.<br>Buyer Comment (2025-09-05): Please see provided Cure documents. xxxxxx! |  | 09/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 844402 | xxxxxx | 34260854 | xxxxxx | 08/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Unit number is missing. |  |  |  | Reviewer Comment (2025-09-04): Updated later dated title provided<br>Buyer Comment (2025-09-03): Please see corrected Title. xxxxxx! | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844456 | xxxxxx | 34667548 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $377.00 exceeds tolerance of $341.00 plus 10% or $375.10. Insufficient or no cure was provided to the borrower. xxxxxx | Recording Fee was disclosed on initial Loan estimate as $341 but disclosed but final Closing Disclosure $377. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-08-21): SitusAMC received Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br> .<br>Buyer Comment (2025-08-20): Please see attached document for the tolerance |  | 08/21/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 844456 | xxxxxx | 34667549 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,890.63 exceeds tolerance of $2,659.38. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points Fee was disclosed on initial Loan estimate as $0 but disclosed but final Closing Disclosure $2890.63. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-10-03): Cure docs provided<br>Buyer Comment (2025-10-03): Thought you had the Previous PCCD. Here's the PCCD and confirmation of courier pickup.<br>Reviewer Comment (2025-10-03): Lender provided LOE, copy of refund check, and FedEx label. However, PCCD with tolerance cure added not provided. In addition, the FedEx label tracking # shows the package has not been picked up by the courier yet.<br>Reviewer Comment (2025-10-03): PCCD with tolerance cure not provided. In addition, the FedEx label tracking # shows the package has not been picked up by the courier yet.<br>Buyer Comment (2025-10-03): Attached is the copy of the refund check, tolerance cure letter and FedEx shipping label to satisfy the $231.25 tolerance cure.<br>Reviewer Comment (2025-10-02): There is no xxxxxx in the loan file that shows the increase on LDP to $2890.63 on the xxxxxx Final CD. Latest rate lock is xxxxxx There is no documentation of cure on the final CD or the PCCD on page 2 or 3. The loan file shows no documentation of a refund check, PCCD, LOE, Re-opened RTC, copy of refund check for $231.25, or proof of delivery of the preceding. Comments indicate the exception has been cured. Please provide documentation of cure for review.<br>Buyer Comment (2025-10-01): Screenshot from xxxxxx regarding Tolerance. Only cost to cure reflected is $231.25 which has already been cleared.<br>Buyer Comment (2025-10-01): Initially lock characteristics changed with the borrower having a recent modification / housing event that wasn't previously disclosed. In addition, the lock had expired and a 3-day extension was required. See attached Locked Confirmation as well as our Fee Tolerance screen. the only fee tolerance "cost to cure" reflected is $231.25 which has already been cleared.<br>Reviewer Comment (2025-09-04): SitusAMC received COC dated xxxxxx , however fee again increased to $2,890.63 on CD dated xxxxxx . Please provide valid COC for increase of fee on CD dated xxxxxx or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-03): Kindly fine the attached documents.<br>Reviewer Comment (2025-08-28): SitusAMC agreed that the below comment. however, provided COC dated xxxxxx indicates that pricing change to increase the loan discount point fee from $1,734.38 to $2,659.38. But the fee increase of $2,890.63 from $2,659.38 on CD dated xxxxxx and there seems to be no valid COC in the loan file for the increased. If there was an additional reason the fee was increased, we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Buyer Comment (2025-08-27): Dear Situs,<br>We are writing to address the concern regarding the TRID zero percent tolerance violation related to the Loan Discount Points fee disclosed on the subject loan file.<br>Upon review, we acknowledge that the initial Loan Estimate reflected $0.00 in Loan Discount Points. However, a valid Change of Circumstance (COC) was issued in connection with a rate lock, and a revised Loan Estimate was provided to the borrower reflecting an updated fee of $1,734.38. The borrower subsequently signed the initial Closing Disclosure with this amount.<br> A second COC and Closing Disclosure were issued due to a lock modification, and while the final Closing Disclosure reflects an increased fee of $2,890.63, the COC in the file—dated xxxxxx —supports the change in pricing due to the lock update. The attached COC documented is consistent with the pricing reflected in the final disclosure.<br>Given that:<br>A valid COC exists in the file,<br> The fee increase is attributable to a documented lock modification,<br>We respectfully assert that this does not constitute a TRID violation requiring a cure. The fee change was based on a legitimate changed circumstance and disclosed accordingly. Please see attached the valid COC showing the old fee discount amount and the new fee discount amount.<br>We are happy to provide any additional documentation or clarification needed to support this position.<br>Reviewer Comment (2025-08-21): SitusAMC received COC dated xxxxxx however the fee increased on CD date xxxxxx for $2890.63. Kindly provide a valid COC for the fee increased or provide cure docs.Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-20): Please see attached document for the tolerance<br>Reviewer Comment (2025-08-08): SitusAMC received valid Changed circumstance dated xxxxxx . However, the fee was again increase of $2,659.38 on xxxxxx CD and $2,890.63 on xxxxxx CD without xxxxxx. Provide valid COC for the fee increased on CD dated xxxxxx xxxxxx or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-08-07): Please see the attached redisclosure that should clear this condition. |  | 10/03/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 844456 | xxxxxx | 34667550 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $630.00. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was disclosed on initial Loan estimate as $630 but disclosed but final Closing Disclosure $650. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-08-21): SitusAMC received Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Buyer Comment (2025-08-20): Please see attached document for the tolerance<br>Reviewer Comment (2025-08-08): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 08/21/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 844456 | xxxxxx | 34667551 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | Only appraisal notice in file dated xxxxxx vs. only report in file dated xxxxxx . |  |  |  | Reviewer Comment (2025-08-07): Waived per client guidance<br>Buyer Comment (2025-08-07): There is an appraisal XML effective dated of xxxxxx This is the appraisal they sent to the borrower. |  |  | 08/07/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 844456 | xxxxxx | 34667552 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  |  |  | Reviewer Comment (2025-08-21): SitusAMC received consent for initial LE.<br>Buyer Comment (2025-08-20): Please see attached document for the tolerance<br>Reviewer Comment (2025-08-08): The consumer went through the eConsent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided eConsent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Buyer Comment (2025-08-07): The audit report for the e-consent date is in the file with signed disclosures. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 844494 | xxxxxx | 34215767 | xxxxxx | 08/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing. |  |  |  | Reviewer Comment (2025-08-13): Provided<br>Buyer Comment (2025-08-12): Fraud report is in the file and attached here for reference. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 844494 | xxxxxx | 34215768 | xxxxxx | 08/08/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud report is missing. |  |  |  | Reviewer Comment (2025-08-13): Provided<br>Buyer Comment (2025-08-12): Fraud report is in the file and attached here for reference. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 844505 | xxxxxx | 34582225 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Seller, xxxxxx and xxxxxx. |  |  |  | Reviewer Comment (2025-10-06): Received Fraud and OFAC search run on the Seller, xxxxxx and xxxxxx. Exception cleared.<br>Buyer Comment (2025-10-03): Please see attached Fraud Report.<br>Reviewer Comment (2025-10-03): Received Fraud and OFAC however Fraud and OFAC searches not run on Seller, xxxxxx and xxxxxx. Exception remains.<br>Buyer Comment (2025-10-02): Updated Fraud report | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 844505 | xxxxxx | 34582261 | xxxxxx | 09/30/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage lien for the property located at xxxxxx is not reported on credit report. The file contains 7 months of loan payment history from the creditor/servicer. Per guidelines, provide 12-months loan payment history from the creditor/servicer along with proof of borrower's payment for the most recent 6-months and a copy of the Note or Mortgage Statement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The 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. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-03): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-02): The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Experienced investor owns and manages 5 or more properties for 12 months |  |  | 10/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 844505 | xxxxxx | 34582442 | xxxxxx | 09/30/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Provide the VVOE dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date for xxxxxx. |  |  |  | Reviewer Comment (2025-10-06): Received VVOE dated within 10 days prior to the Note date. Exception cleared.<br>Buyer Comment (2025-10-03): Please see attached VVOE.<br>Reviewer Comment (2025-10-03): Received VVOE is postdated. Provide VVOE dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date for xxxxxx. Exception remains.<br>Buyer Comment (2025-10-02): See VOE | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 844505 | xxxxxx | 34582539 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The initial 1003 Declaration section 5 A reflects will you occupy primary property as "Yes". However, the subject file is purchase of Investment property. Corrected on final 1003. Provide the lender attestation regarding error. |  |  |  | Reviewer Comment (2025-10-03): Lender attestation provided<br>Buyer Comment (2025-10-02): updated 1003 and lox | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 844505 | xxxxxx | 34599091 | xxxxxx | 09/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide signed and dated 1040 for 2024 since rental income was utilized to qualify borrower. |  |  |  | Reviewer Comment (2025-10-03): Received signed and dated 1040. Exception cleared.<br>Buyer Comment (2025-10-02): signed returns | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 844505 | xxxxxx | 34599103 | xxxxxx | 09/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Insurance Verification, Statement<br> Insurance Verification, Statement | Borrower recently purchase the following properties. Provide the final closing disclosure / first payment letter to verify PITIA or proof of insurance and P&I (also any HOA, if applicable). |  |  |  | Reviewer Comment (2025-10-06): Received First Payment Letter, Closing Disclosure and 1004 to verify PITIA for property located at xxxxxx. Exception cleared.<br>Buyer Comment (2025-10-03): Closing docs for xxxxxx.<br>Reviewer Comment (2025-10-03): Received First payment letter, Closing Disclosure/Closing Statement, and HOA document for properties located at xxxxxx. Pending receipt of the final closing disclosure / first payment letter to verify PITIA or proof of insurance and P&I (also any HOA, if applicable) for property located xxxxxx. Exception remains.<br>Buyer Comment (2025-10-02): See proof of purchase, first payment letter, closing statement and HOA dues | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 844505 | xxxxxx | 34599105 | xxxxxx | 09/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Concurrent closing with subject property. Recently refinanced. Provide evidence of the new PITIA. |  |  |  | Reviewer Comment (2025-10-03): Received Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-10-02): see closing disclosure | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 844505 | xxxxxx | 34599258 | xxxxxx | 09/30/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The 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. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-07): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-07): The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Reserves exceed requirement by 10 months or more |  |  | 10/07/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 844505 | xxxxxx | 34599282 | xxxxxx | 09/30/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The subject property subject property interior / exterior and comparable photos are missing as well as appraisal is not signed by the appraiser from the most recent appraisal with a completion date of xxxxxx . |  |  |  | Reviewer Comment (2025-10-03): Received signed Apprisal and photos updated. Exception cleared.<br>Buyer Comment (2025-10-02): updated appraisal | 10/03/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 844551 | xxxxxx | 34689111 | xxxxxx | 10/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  |  | Reviewer Comment (2025-10-17): Received Credit Report - Gap. Exception cleared.<br>Buyer Comment (2025-10-16): Please see attached Gap Report.<br>Reviewer Comment (2025-10-16): No new documents received. Please try uploading again. Exception Remains.<br>Buyer Comment (2025-10-14): Please see attached Gap Report. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844559 | xxxxxx | 34192257 | xxxxxx | 08/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-21): Received UW Conditional Approval document. Exception cleared.<br>Buyer Comment (2025-08-21): Please see attached Approval. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 844559 | xxxxxx | 34192258 | xxxxxx | 08/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report is missing. Must contain all participants. |  |  |  | Reviewer Comment (2025-08-28): Received OFAC search run on the seller, xxxxxx. Exception cleared.<br>Buyer Comment (2025-08-27): Please see attached Fraud Reports.<br>Reviewer Comment (2025-08-22): Received Fraud report. However OFAC search is not run on the seller, xxxxxx. Exception remains.<br>Buyer Comment (2025-08-21): Please see attached Fraud Report. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 844568 | xxxxxx | 34522650 | xxxxxx | 09/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | As per the Real Estate Owned Report per provided Fraud report in file, the subject property had a loan modification on xxxxxx and modification agreement is not provided. Provide the modification agreement for the loan amount xxxxxx occurred on xxxxxx . |  |  |  | Reviewer Comment (2025-10-09): Received Modification Agreement. Exception cleared.<br>Buyer Comment (2025-10-07): Please see attached Loan Modification Agreement. | 10/09/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844571 | xxxxxx | 34376545 | xxxxxx | 09/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | OA requires a Unanimous Consent to bind. |  |  |  | Reviewer Comment (2025-09-18): Investor email stating accepting LOE as UC. Requested clearance.<br>Reviewer Comment (2025-09-17): An LOE is not acceptable for a UC as UC has specific verbiage required.<br>Buyer Comment (2025-09-15): Please see attached. xxxxxx! | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxxxxx | 844591 | xxxxxx | 34612899 | xxxxxx | 10/03/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2025-10-07): Received E- Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-10-06): xxxxxx- Pending condition for E-Consent. xxxxxx! | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 844591 | xxxxxx | 34612912 | xxxxxx | 10/03/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-10-07): Final 1003 provided<br>Buyer Comment (2025-10-06): Please see the Final 1003 uploaded. xxxxxx! | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 844591 | xxxxxx | 34612934 | xxxxxx | 10/03/2025 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date xxxxxx , Note Date xxxxxx | Independent Policy: The Flood Insurance policy effective date is after the note date. Flood required to be active at time of closing vs. disbursement in Dry and Wet States. | 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. | Credit Score 30+ points > minimum required | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-21): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-20): The request for an exception to xxxxxx's 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 |  |  | 10/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 844591 | xxxxxx | 34612984 | xxxxxx | 10/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception- Allow 100% use of business assets with 50% ownership. | 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. | Credit Score 30+ points > minimum required | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-02): Client elects to waive with verified compensation factors |  |  | 10/02/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 844591 | xxxxxx | 34613004 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of xxxxxx used as disbursement date for compliance testing. | Provide the Final CD. |  |  |  | Reviewer Comment (2025-10-07): Final signed CD provided with disbursement date<br>Buyer Comment (2025-10-06): Please see Final CD uploaded. xxxxxx! | 10/07/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 844591 | xxxxxx | 34613005 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Provide the Final CD. Only incomplete CD's in file. |  |  |  | Reviewer Comment (2025-10-07): Final signed CD provided<br>Buyer Comment (2025-10-06): Please see Final CD uploaded. xxxxxx! | 10/07/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 844591 | xxxxxx | 34631969 | xxxxxx | 10/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the business purpose cert. |  |  |  | Reviewer Comment (2025-10-07): BP Cert provided<br>Buyer Comment (2025-10-06): Please see the BP Cert uploaded. xxxxxx! | 10/07/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 844768 | xxxxxx | 34678833 | xxxxxx | 08/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification the primary residence is owned free and clear with property taxes paid current. | 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. | Reserves: 10.48<br> Guideline Requirement: 2.00 | Originator,xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-23): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-09-19): exception<br>Reviewer Comment (2025-09-04): Provide evidence that the 2 addresses are for same property.<br>Buyer Comment (2025-09-02): The address was changed on the subject property from xxxxxx. Property profile shows the property is owned free and clear, tax cert and deed<br>Buyer Comment (2025-09-02): Property profile, tax cert and deed |  |  | 09/23/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 844860 | xxxxxx | 34494883 | xxxxxx | 09/22/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-09-24): Received Final Title Policy. Exception cleared. | 09/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844860 | xxxxxx | 34494935 | xxxxxx | 09/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  |  | Reviewer Comment (2025-09-29): Received UDM dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-09-26): xxxxxx please see UDN dated xxxxxx reattached.<br>Reviewer Comment (2025-09-26): Received Business Search, Title Final, Property History Report, Operating Agreement Amendment and Release and Hold Harmless Agreement. However the document requested is for Gap Credit Report that was not provided. Exception remains.<br>Buyer Comment (2025-09-24): xxxxxx please see gap report | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844860 | xxxxxx | 34519540 | xxxxxx | 09/22/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-24): Received Final Title Policy. Exception cleared.<br>Buyer Comment (2025-09-24): xxxxxx please see FTP | 09/24/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844860 | xxxxxx | 34521533 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide evidence that xxxxxx has been sold. Per divorce decree, borrower and ex-spouse will continue to bear costs of ownership equally until sold. | 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. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-23): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-22): The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Self-employed for > 5 years<br>Reviewer Comment (2025-09-30): Email to investor: I am not finding the OA for xxxxxx to support xxxxxx, in which the borrower had ownership and now transferred shares, is no longer obligated to the debt per the divorce decree. The Entity Seach just notes the registered agent which his another LLC and employees, which doesn't list xxxxxx either. If we get that to support the borrower has no other ownership in xxxxxx outside of xxxxxx, then we can clear the condition.<br>Buyer Comment (2025-09-30): xxxxxx please see Lender LOE and property profile report for xxxxxx. xxxxxx is sole owner<br>Buyer Comment (2025-09-30): xxxxxx please see Lender LOE and property profile report.<br>Reviewer Comment (2025-09-26): Received Property History Report and Release and Hold Harmless Agreement. However as per Property History Report the property is owned by xxxxxx. Therefore provide document to verify ownership percentage of business as received Operating agreement amendment is for xxxxxx. Exception remains.<br>Buyer Comment (2025-09-24): xxxxxx please see Lender LOE and property profile report. |  |  | 10/23/2025 | 2 | C B | C B D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844867 | xxxxxx | 34403977 | xxxxxx | 09/15/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2025-09-18): FTP provided | 09/18/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844867 | xxxxxx | 34403980 | xxxxxx | 09/15/2025 | 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 (2025-09-18): FTP provided<br>Buyer Comment (2025-09-18): xxxxxx please see FTP | 09/18/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844867 | xxxxxx | 34447991 | xxxxxx | 09/15/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  | The SOS in file reflects the business was revoked on xxxxxx and reinstated xxxxxx , which is < 2 years open and active as guidelines require. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-08): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-08): The request for an exception to xxxxxx's 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<br>Reviewer Comment (2025-09-30): Per the CPA email, the license was revoked from xxxxxx xxxxxx xxxxxx. A business cannot remain open and active when their license is revoked until re-instated. Investor can elect to waive with verified compensation factors.<br>Buyer Comment (2025-09-29): xxxxxx please see email clarification from CPA.<br>Reviewer Comment (2025-09-23): The LOE is not acceptable and does not verify the business has been open and active for 5 years but that they have been the accountant for the business 5 years. Further, the CPA would not trump a filing with the SOS of state which had the business registered as revoked and not re-activated until 2024.<br>Buyer Comment (2025-09-22): Please see attached verification from the seller. xxxxxx! |  |  | 10/08/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 844867 | xxxxxx | 34448026 | xxxxxx | 09/15/2025 | 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 $164.57 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Cure nor valid COC provided |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 844976 | xxxxxx | 34582412 | xxxxxx | 10/01/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | Provide update title policy covering loan xxxxxx as provide document cover only xxxxxx |  |  |  | Reviewer Comment (2025-10-08): Updated later dated title commitment provided<br>Buyer Comment (2025-10-08): See attached title | 10/08/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 844976 | xxxxxx | 34607862 | xxxxxx | 10/01/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Overdraft / NSF Fees: If there are one (1) or more occurrences in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period. (4) - May and June 2025. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-03): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-03): The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - Credit Score 30+ points > minimum required<br>Reviewer Comment (2025-10-03): The same comments were provided that were previously rejected. Condition is valid. Fees were charged for the overdrafts therefore they were not covered and considered as well as balances went negative.<br>Reviewer Comment (2025-10-02): Condition is valid. Fees were charged for the overdrafts therefore they were not covered and considered as well as balances went negative.<br>Buyer Comment (2025-10-02): none of the occurrences in question are reversed or declined, only were charged an OD fee. This should not be a condition. |  |  | 10/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 844976 | xxxxxx | 34611311 | xxxxxx | 10/01/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.67 is less than Guideline PITIA months reserves of 6.00. | Gift funds were received into borrower's personal account. Backed out as cannot be double counted nor can gifts be used for reserves. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-23): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-22): The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 3 - Credit Score 30+ points > minimum required<br>Reviewer Comment (2025-10-15): The memo is not acceptable. The 3 gifts in question for $25,500, $25,000 & $25,000 were deposited into the borrower's account xxxxxx and backed as they cannot be used for reserves per guidelines. These can only be used for funds to close. The 1 gift for $35,000 was already added to funds to close separately. The borrower is short reserves. Cash to close is calculated as funs to close + EMD+ POC fees + any adjustments/gifts/1031 on the Final CD. Total funds needed to close is $156,963.83 which already includes the $33,000 seller concessions and not counted separately. |  |  | 10/23/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 844976 | xxxxxx | 34611360 | xxxxxx | 10/01/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Gift funds were received into borrower's personal account. Backed out as cannot be double counted nor can gifts be used for reserves. |  |  |  | Reviewer Comment (2025-10-23): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-10-15): The memo is not acceptable. The 3 gifts in question for $25,500, $25,000 & $25,000 were deposited into the borrower's account xxxxxx and backed as they cannot be used for reserves per guidelines. These can only be used for funds to close. The 1 gift for $35,000 was already added to funds to close separately. The borrower is short reserves. Cash to close is calculated as funs to close + EMD+ POC fees + any adjustments/gifts/1031 on the Final CD. Total funds needed to close is $156,963.83 which already includes the $33,000 seller concessions and not counted separately. | 10/23/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxxxxx | 844976 | xxxxxx | 34611361 | xxxxxx | 10/01/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Gift funds were received into borrower's personal account. Backed out as cannot be double counted nor can gifts be used for reserves. |  |  |  | Reviewer Comment (2025-10-23): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-10-15): The memo is not acceptable. The 3 gifts in question for $25,500, $25,000 & $25,000 were deposited into the borrower's account xxxxxx and backed as they cannot be used for reserves per guidelines. These can only be used for funds to close. The 1 gift for $35,000 was already added to funds to close separately. The borrower is short reserves. Cash to close is calculated as funs to close + EMD+ POC fees + any adjustments/gifts/1031 on the Final CD. Total funds needed to close is $156,963.83 which already includes the $33,000 seller concessions and not counted separately.<br>Buyer Comment (2025-10-14): Asset memo attached 3 of the gifts were already deposited and not included only one $35,000 gift was not deposited and was used towards funds to close then we had $98,485.63 LIQUID to cover the remaining funds to close and reserves. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 844989 | xxxxxx | 34395482 | xxxxxx | 09/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Provide the final settlement statement for the refinance of the property on xxxxxx. Estimate only in file. |  |  |  | Reviewer Comment (2025-09-16): Final CD provided<br>Buyer Comment (2025-09-15): Please see attached Final Settlement Statement. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 844989 | xxxxxx | 34395537 | xxxxxx | 09/10/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6: Unit number missing |  |  |  | Reviewer Comment (2025-09-18): Received updated HO6 policy. Exception cleared.<br>Buyer Comment (2025-09-17): Please see attached HOI.<br>Reviewer Comment (2025-09-16): HO6 provided is not for the subject property<br>Buyer Comment (2025-09-16): Please see attached HOI. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 844997 | xxxxxx | 34246043 | xxxxxx | 08/25/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage for the subject property xxxxxx does not appear on the credit report. VOM, Payoff, and Note provided. Provide the borrower's 6 month pay history. |  |  |  | Reviewer Comment (2025-09-12): Final settlement statement provided for existing lien supporting 6 months of payments upfront.<br>Buyer Comment (2025-09-10): On the CD, the borrower paid upfront 6 months of mortgage payments. Interest only payment according to the note is xxxxxx. The borrower paid $65,054.34 which is 6 months of payments. We now have a VOM and proof of 6 months of payments this should suffice. | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxxxxx | 844997 | xxxxxx | 34246044 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-28): Received Approval. Exception cleared.<br>Buyer Comment (2025-08-27): 1008 reattached<br>Reviewer Comment (2025-08-27): No new document was received. Provide the document as requested on the original condition. Exception remains.<br>Buyer Comment (2025-08-26): See attached 1008 | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxxxxx | 844997 | xxxxxx | 34246052 | xxxxxx | 08/25/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | DSCR > 1.00 is required for first time investors as well as first time investors must own a primary residence. The REO at xxxxxx is reflected as an investment property on the 1003 and per Fraud Report owned since xxxxxx , however owner is xxxxxx in which no evidence of ownership of this LLC was provided. |  |  |  | Reviewer Comment (2025-09-22): Evidence of ownership provided in LLC's. Guarantor is experienced.<br>Buyer Comment (2025-09-22): See attached xxxxxx Operating Agreement and property report. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxxxxx | 845005 | xxxxxx | 34232157 | xxxxxx | 03/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, a trust is eligible in vesting only, however the Note is signed by two xxxxxx on behalf of the trust. Approval in file shows one of the xxxxxx as borrower, but they did not sign the Note as an individual. Provide a corrected Note showing the borrower as an individual as a trustee or provide credit documents for both people. To include a credit report, credit application, fraud report with OFAC. | 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. | Reserves: 87.63<br> Guideline Requirement: 2.00 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-04-02): Waived with compensating factors at clients request.<br>Buyer Comment (2025-03-31): Lender accepts. Please waive with available compensating factors" |  |  | 11/06/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 845005 | xxxxxx | 34232158 | xxxxxx | 03/05/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing for both xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reserves: 87.63<br> Guideline Requirement: 2.00 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-04-03): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-02): We do not have a fraud report for xxxxxx due to they were not a borrower on the loan. Lender accepts . Please waive with available compensating factors.<br>Reviewer Comment (2025-04-02): Need fraud report with OFAC for xxxxxx.<br>Buyer Comment (2025-03-31): Lender accepts. Please waive with available compensating factors" |  |  | 04/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 845005 | xxxxxx | 34232159 | xxxxxx | 03/05/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | OFAC is not available in the file | 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. | Reserves: 87.63<br> Guideline Requirement: 2.00 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-04-03): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-02): We do not have a fraud report for xxxxxx due to they were not a borrower on the loan. Lender accepts . Please waive with available compensating factors.<br>Reviewer Comment (2025-04-02): Need fraud report with OFAC for xxxxxx.<br>Buyer Comment (2025-03-31): Lender accepts. Please waive with available compensating factors" |  |  | 04/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 845017 | xxxxxx | 34232005 | xxxxxx | 06/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | The Non-Owner Occupancy Certificate is not complete as Question 4A is missing the principal residence address. |  |  |  | Reviewer Comment (2025-06-26): Fully completed NOO certificate received in trailing docs.<br>Buyer Comment (2025-06-24): Please find attached correct form with Borrowers primary address reflected. xxxxxx.<br>Reviewer Comment (2025-06-12): The subject proeprty is listed as the primary residence which is not permitted per guidelines.<br>Buyer Comment (2025-06-10): Please find form attached with Borrowers primary address reflected. xxxxxx. | 06/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 845020 | xxxxxx | 34232013 | xxxxxx | 06/20/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  |  |  | Reviewer Comment (2025-06-25): clear<br>Buyer Comment (2025-06-23): Fraud | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845021 | xxxxxx | 34232016 | xxxxxx | 06/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-25): clear<br>Buyer Comment (2025-06-23): xxxxxx | 06/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845022 | xxxxxx | 34231989 | xxxxxx | 06/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $125,000.00. | Lender requested an exception which was approved to allow loan amount of xxxxxx which is less than the minimum loan amount of $125,000.<br> with a compensating factor of DSCR greater than 1.15 and credit score of 749. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DSCR greater than 1.15<br>Credit score is at least 40 points greater than minimum of 700. | xxxxxx,Originator<br>xxxxxx<br>Originator,xxxxxx | Reviewer Comment (2025-06-03): Lender granted exception approval with compensating factors in loan file. |  |  | 06/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 845022 | xxxxxx | 34231990 | xxxxxx | 06/03/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file. |  |  |  | Reviewer Comment (2025-06-09): clear<br>Buyer Comment (2025-06-06): COGS | 06/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 845022 | xxxxxx | 34231991 | xxxxxx | 06/03/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The OFAC search for the borrowing business entity is missing from the loan file. |  |  |  | Reviewer Comment (2025-06-09): clear<br>Buyer Comment (2025-06-05): Fraud | 06/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 845030 | xxxxxx | 34262373 | xxxxxx | 08/15/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Missing evidence that listing was canceled before closing or a letter of explanation. |  |  |  | Reviewer Comment (2025-08-19): cleared<br>Buyer Comment (2025-08-18): xxxxxx pg 606 shows listing was withdrawn xxxxxx  | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxxxxx | 845033 | xxxxxx | 34262365 | xxxxxx | 08/14/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 691 is less than Guideline representative FICO score of 700. | Lender approved exception at origination to allow credit score of 691 when a credit score of 700 is required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 28.14<br> Guideline Requirement: 2.00<br>The qualifying DSCR on the loan is greater than the guideline minimum. | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-14): Waived with compensating factors per lender exception approval at origination. |  |  | 08/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxxxxx | 845050 | xxxxxx | 34913641 | xxxxxx | 08/20/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Term discrepancy. | Note term of 359 does not match Guideline term of 360. | Note term of 359 does not match Guideline term of 360. |  |  |  | Reviewer Comment (2025-11-04): Corrected Note, xxxxxx affidavit, destroyed Note affidavit, evidence of delivery to borrower and evidence xxxxxx affidavit recorded, received correcting loan maturity date.<br>Buyer Comment (2025-11-04): loe<br>Buyer Comment (2025-11-04): xxxxxx Affidavit<br>Buyer Comment (2025-11-04): Note<br>Reviewer Comment (2025-11-03): Destroyed Note affidavit received; however, full corrected Note along with evidence of delivery to borrower prior to execution of new Note will be required. Also, if Note maturity date was corrected, the maturity date on the security instrument will also require correction, along with a notice of intent to re-record.<br>Buyer Comment (2025-11-03): Please see attached | 11/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | Exempt from ATR | N/A | No |
| xxxxxx | 845052 | xxxxxx | 34262361 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Missing Final HUD-1. Only an estimated closing statement provided in loan file. |  |  |  | Reviewer Comment (2025-08-19): cleared with HUD/CS<br>Buyer Comment (2025-08-15): Please see attached Final SS | 08/19/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 845059 | xxxxxx | 34855789 | xxxxxx | 08/19/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Missing Credit report |  |  |  | Reviewer Comment (2025-09-10): Received<br>Buyer Comment (2025-09-08): Please find credit report attached. xxxxxx. | 09/10/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 845059 | xxxxxx | 34855790 | xxxxxx | 08/19/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 680. | Missing the credit report. |  |  |  | Reviewer Comment (2025-09-10): Credit report received in trailing docs. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 845059 | xxxxxx | 34855791 | xxxxxx | 09/10/2025 | Credit | Consumer Loan | Document Error | Consumer Loan | Borrower does not have the minimum required trade lines per guidelines. |  | Guidelines for foreign national borrowers require one tradeline reporting satisfactorily for 24-months with activity in the most recent 12-months or Two tradelines reporting satisfactorily for 12- months all with activity in the most recent 90 days. Credit report received in trailing documents reflects 3 closed accounts, none with activity in the most recent 12 months. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: 754 | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-17): Waived with compensating factors at clients request.<br>Buyer Comment (2025-10-15): Please waive this condition based on the following compensating factors as follows: Borrowers fico score is 40+ points over the minimum required for this program & product. Borrowers LTV is less than max permitted @ 60% ltv for c/o - vs- 75% ltv. Borrower is an experienced xxxxxx. xxxxxx. |  |  | 10/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| xxxxxx | 845066 | xxxxxx | 34358641 | xxxxxx | 08/19/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-08-26): cleared with OFAC.<br>Buyer Comment (2025-08-22): fraud | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845066 | xxxxxx | 34358642 | xxxxxx | 08/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide 12 month pay history for the subject property. |  |  |  | Reviewer Comment (2025-08-28): cleared with lender correspondence/e-mail stating all loan payments are current.<br>Buyer Comment (2025-08-26): VOM | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845066 | xxxxxx | 34358643 | xxxxxx | 08/19/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Note reflects xxxxxx and document reflects xxxxxx. |  |  |  | Reviewer Comment (2025-08-28): cleared with corrected appraisal.<br>Buyer Comment (2025-08-26): appraisal | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845066 | xxxxxx | 34358644 | xxxxxx | 08/19/2025 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Provide CDA with effective date of xxxxxx . |  |  |  | Reviewer Comment (2025-08-21): Cleared with CDA and 1004D. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845069 | xxxxxx | 34358649 | xxxxxx | 08/20/2025 | 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 | Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-08-29): Cleared with CDA<br>Buyer Comment (2025-08-29): PFA CDA report | 08/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No |
| xxxxxx | 845069 | xxxxxx | 34358650 | xxxxxx | 08/20/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Flood Insurance Coverage Amount is insufficient by $50,000.00. |  |  |  | Reviewer Comment (2025-08-26): cleared<br>Buyer Comment (2025-08-22): PFA Flood insurance | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No |
| xxxxxx | 845070 | xxxxxx | 34358608 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-08-21): Cleared with entity docs.<br>Buyer Comment (2025-08-19): Article of organization | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845070 | xxxxxx | 34358609 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-08-21): Cleared with entity docs.<br>Buyer Comment (2025-08-19): COGS | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845070 | xxxxxx | 34358610 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-08-21): Cleared with entity docs.<br>Buyer Comment (2025-08-19): operating agreement | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845070 | xxxxxx | 34358611 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Unanimous Consent & Resolution to borrow is missing for borrowing business entity. |  |  |  | Reviewer Comment (2025-08-21): Cleared with entity docs.<br>Buyer Comment (2025-08-19): see attached operating agreement | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845073 | xxxxxx | 34478709 | xxxxxx | 08/19/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Missing evidence that listing was removed before note date, a letter of explanation is required. |  |  |  | Reviewer Comment (2025-08-28): Listing removed on xxxxxx .<br>Buyer Comment (2025-08-26): please see snip from xxxxxx.<br>Buyer Comment (2025-08-26): Please see snip from xxxxxx.<br>Reviewer Comment (2025-08-25): The xxxxxx document provided does not provide the property address. Unable to tie it to the subject property.<br>Buyer Comment (2025-08-25): Please see Doc, property is removed before closing. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| xxxxxx | 845073 | xxxxxx | 34478710 | xxxxxx | 08/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-09-16): cleared with final HUD/CS.<br>Buyer Comment (2025-09-12): Please see attached doc<br>Reviewer Comment (2025-09-09): Document indicates it is an estimate. A final signed/stamped certified settlement statement is required to clear the condition. If lender is accepting estimate, a request to can be made; however, we are unable to clear.<br>Buyer Comment (2025-09-05): This is the final settlement statement, confirmed by the title company. The borrower's signature is also included. Please proceed to clear it.<br>Reviewer Comment (2025-09-03): All closing statements reflect estimate at the top. These cannot be used. The CD in file is a draft and cannot be used. Provide a final, signed or stamped true and certified closing statement to clear this exception.<br>Buyer Comment (2025-08-29): Please see attached statement.<br>Reviewer Comment (2025-08-28): The exception is for a final closing statement. All copies in file are estimates.<br>Buyer Comment (2025-08-26): please see snip from xxxxxx.<br>Reviewer Comment (2025-08-25): HUD provided is also and estimate. Cannot use an estimated closing statement.<br>Buyer Comment (2025-08-21): Please find attached signed settlement statement.<br>Buyer Comment (2025-08-21): Please find signed settlement statement. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| xxxxxx | 845080 | xxxxxx | 34358601 | xxxxxx | 08/15/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | Reviewed and noted |  |  |  | Reviewer Comment (2025-08-21): cleared with fraud report and alert summary.<br>Buyer Comment (2025-08-19): fraud summary | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 845080 | xxxxxx | 34358602 | xxxxxx | 08/15/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for all parties. |  |  |  | Reviewer Comment (2025-08-21): cleared with fraud report and alert summary.<br>Buyer Comment (2025-08-19): see attached fraud summary | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 845080 | xxxxxx | 34358603 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing appraisal invoice. |  |  |  | Reviewer Comment (2025-08-21): cleared with invoice.<br>Buyer Comment (2025-08-19): appraisal invoice | 08/21/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 845080 | xxxxxx | 34358604 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide a full Fraud Report with all red flags addressed/cleared. |  |  |  | Reviewer Comment (2025-08-21): cleared with fraud report and alert summary.<br>Buyer Comment (2025-08-19): Fraud | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 845081 | xxxxxx | 34262367 | xxxxxx | 08/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The file is missing the HUD/Closing Statement. |  |  |  | Reviewer Comment (2025-08-20): cleared with HUD<br>Buyer Comment (2025-08-18): Please see attached Final SS | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 845087 | xxxxxx | 34478629 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Provide the actual Articles of Organization verifying the officers and directors of the LLC. |  |  |  | Reviewer Comment (2025-09-03): Cleared with the AOO.<br>Buyer Comment (2025-08-29): Articles of Organization, to include page 1.<br>Reviewer Comment (2025-08-29): Provide page 1 of the Articles of Organization. Page 2 in file starting with number 8. Need page 1 with #'s 1-7.<br>Buyer Comment (2025-08-27): Per guidelines, articles of organization, or partnership (or equivalent) is acceptable. Underwriter is used the Certificate of Organization (D0168) as equivalent.<br>Reviewer Comment (2025-08-25): Provide page 1 of the Articles of Organization. Page 2 in file starting with number 8. Need page 1 with #'s 1-7.<br>Buyer Comment (2025-08-21): D0167 Operating Agreement and D0168 Certificate of Organization in file both reflect that the LLC is a single member LLC and the borrower is the sole member and the only organizer/officer. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845090 | xxxxxx | 34478636 | xxxxxx | 08/19/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: xxxxxx // Account Type: Stocks / Account Number: xxxxxx | Asset document date is more than 90 days prior to the note date or notary date. |  |  |  | Reviewer Comment (2025-09-10): Additional asset statement received<br>Buyer Comment (2025-09-08): Please find June's xxxxxx statement attached. xxxxxx.<br>Reviewer Comment (2025-09-02): Per guidelines, complete asset statements dated within 90 days of the Note date required.<br>Buyer Comment (2025-08-28): Please note per xxxxxx guidelines asset statements good for 120 days from Note date. xxxxxx. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 845090 | xxxxxx | 34478638 | xxxxxx | 08/19/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-09-02): Cleared with OFAC.<br>Buyer Comment (2025-08-28): Please find ofac attached. xxxxxx. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 845090 | xxxxxx | 34478639 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-09-02): Cleared with COGS.<br>Buyer Comment (2025-08-28): Please accept in place of cert of good standing as documents reflects the same information. xxxxxx. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 845095 | xxxxxx | 34358663 | xxxxxx | 08/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination to accept VOR from private landlord with handwritten rent receipts. Comp factors 717 FICO and 1.67 DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 99.44<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 717 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-21): Waived with compensating factors per lender exception approval at origination. |  |  | 08/21/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxxxxx | 845099 | xxxxxx | 34478641 | xxxxxx | 08/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC report for the business entity. |  |  |  | Reviewer Comment (2025-09-08): OFAC received for borrowing entity<br>Buyer Comment (2025-09-08): Please find attached updated xxxxxx with LLC checked. xxxxxx.<br>Reviewer Comment (2025-09-03): Provide the full page. Document provided is cut off.<br>Buyer Comment (2025-08-29): Please find clear ofac attached. xxxxxx. | 09/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 845113 | xxxxxx | 34478634 | xxxxxx | 08/19/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.86 is less than Guideline PITIA months reserves of 2.00. | Missing the transfer of gift funds ($85,000.00) from donor to title company. |  |  |  | Reviewer Comment (2025-09-05): Cleared with gift funds documented. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 845113 | xxxxxx | 34478635 | xxxxxx | 08/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide verification of the gift amount of $85,000.00 was transferred from donor to tile company via Wire Receipt or cancelled check, ect. |  |  |  | Reviewer Comment (2025-09-05): Cleared with wire verification.<br>Buyer Comment (2025-09-03): Please find wire of gift confirmation from Title Co. xxxxxx. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 845127 | xxxxxx | 34262378 | xxxxxx | 08/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a transferred appraisal completed through a technology platform and not an AMC. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 108.91<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 802 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-18): Waived with compensating factors per lender exception approval at origination. |  |  | 08/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No |
| xxxxxx | 845129 | xxxxxx | 34358669 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Executed Transfer Deed was not provided. |  |  |  | Reviewer Comment (2025-08-27): cleared with deed.<br>Buyer Comment (2025-08-25): deed | 08/27/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No |
| xxxxxx | 845129 | xxxxxx | 34358670 | xxxxxx | 08/22/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Evidence of transfer of gift funds to the closing agent or borrower was not provided. |  |  |  | Reviewer Comment (2025-08-27): cleared with wire transfer notice.<br>Buyer Comment (2025-08-25): wire | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No |
| xxxxxx | 845475 | xxxxxx | 34520025 | xxxxxx | 09/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Valuation reflects Unit xxxxxx. Note does not have a unit number. |  |  |  | Reviewer Comment (2025-10-14): Updated appraisal provided<br>Buyer Comment (2025-10-14): Please see the updated Appraisal Report. xxxxxx! | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 845475 | xxxxxx | 34520919 | xxxxxx | 09/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Not provided - Reissue did not update any debts |  |  |  | Reviewer Comment (2025-10-15): Received Credit Refresh Report dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-10-14): Please see the Gap Credit. xxxxxx! | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 845489 | xxxxxx | 34213495 | xxxxxx | 08/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide ownership and ownership % for xxxxxx. The Stock Cert in file reflects xxxxxx |  |  |  | Reviewer Comment (2025-08-28): Per client, accepting corporate resolution with verbiage added about xxxxxx to indicate borrower is 100% owner.<br>Reviewer Comment (2025-08-27): The same corporate resolution was provided that was previously provided with verbiage added about xxxxxx to include borrower is 100% owner. Investor to advise if they are accepting. Assigned to investor.<br>Buyer Comment (2025-08-25): See updated docs<br>Reviewer Comment (2025-08-21): Received Bylaws, Corporate resolution which is not executed and also ownership % is missing. Provide Operating Agreement for ownership and ownership % for xxxxxx. Exception remains.<br>Buyer Comment (2025-08-20): See ownership for xxxxxx. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No |
| xxxxxx | 845489 | xxxxxx | 34235886 | xxxxxx | 08/19/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal in file has a completion date post-close. Provide the pre-close appraisal. |  |  |  | Reviewer Comment (2025-08-22): Received pre-close appraisal. Exception cleared.<br>Buyer Comment (2025-08-20): See updated appraisal | 08/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No |
| xxxxxx | 845582 | xxxxxx | 34493063 | xxxxxx | 09/22/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | There are 2 AVMs in the file that were done prior to closing that established value and they were within 7.1144% of one another and lower amount of the two was used to qualify. This is acceptable of the guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-22): Client elects to waive |  |  | 09/22/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 845582 | xxxxxx | 34493065 | xxxxxx | 09/22/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  |  |  | Reviewer Comment (2025-09-23): Additional AVM provided<br>Buyer Comment (2025-09-23): Please see attached 2nd AVM. | 09/23/2025 |  |  | 1 | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 845582 | xxxxxx | 34493255 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $169.50 exceeds tolerance of $154.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided At Closing |  | 09/18/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 845582 | xxxxxx | 34493257 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $10.00 exceeds tolerance of $8.00. Sufficient or excess cure was provided to the borrower at Closing. (7579) |  |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided At Closing |  | 09/18/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 845582 | xxxxxx | 34521179 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 13,932.12 on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) | Non-Escrowed property costs year 1 are $11,708.40 per documents in file. Per the 1008., the lender appears to have collected higher taxes, however no documents were provided in file to support. |  |  |  | Reviewer Comment (2025-09-25): SitusAMC received PCCD and LOE<br>Buyer Comment (2025-09-24): Please see attached.<br>Reviewer Comment (2025-09-24): SitusAMC received PCCD with same issue dated as final CD date. Please provide updated PCCD with correct issue date and LOE.<br>Buyer Comment (2025-09-23): Please see attached PCCD. |  | 09/25/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 845799 | xxxxxx | 34254603 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Please provide executed Bylaws |  |  |  | Reviewer Comment (2025-09-04): Received executed bylaws with email from borrower's attorney and email. Attorney added signature line and borrower signed to meet the requirement.<br>Buyer Comment (2025-09-03): Please see attached documents - Post Closer LOX / email chain from atty / Exec By-Laws<br>Reviewer Comment (2025-09-02): Received Bylaws appears to be an altered document. The business and signature does not appear on the proper format. Exception remains.<br>Buyer Comment (2025-08-28): Please see attached.<br>Reviewer Comment (2025-08-26): Received Bylaws which was already in file. Provide executed copy of Bylaws. Exception remains.<br>Buyer Comment (2025-08-26): Bylaws - See pg 8 | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845799 | xxxxxx | 34254637 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  |  |  | Reviewer Comment (2025-08-26): Received updated Fraud report. Fraud and OFAC search run on settlement agent, xxxxxx Exception cleared.<br>Buyer Comment (2025-08-26): Fraud w agent xxxxxx | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 845823 | xxxxxx | 34261562 | xxxxxx | 08/27/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  |  |  | Reviewer Comment (2025-09-02): Received updated Fraud and OFAC search for settlement agent. Exception cleared.<br>Buyer Comment (2025-08-29): Fraud report | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 846015 | xxxxxx | 34367462 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx and xxxxxx. |  |  |  | Reviewer Comment (2025-09-12): Received Mortgage Participant List Report. Fraud and OFAC search run on the sellers. Exception cleared.<br>Buyer Comment (2025-09-11): Please see attached! xxxxxx! | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 846015 | xxxxxx | 34392834 | xxxxxx | 09/10/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE |  |  |  | Reviewer Comment (2025-09-11): RCE provided<br>Buyer Comment (2025-09-11): Please see RCE. xxxxxx! | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 846015 | xxxxxx | 34395648 | xxxxxx | 09/10/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003 for xxxxxx. xxxxxx has no vested interest in the primary residence per property profile report. |  |  |  | Reviewer Comment (2025-09-15): Updated 1003 provided<br>Buyer Comment (2025-09-12): Please see 1003. xxxxxx! | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 846038 | xxxxxx | 34358666 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx<br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx | Please provide a post-disaster inspection verifying there was no damage from xxxxxx. The inspection must include exterior photos and the property must be re-inspected after the xxxxxx Disaster End Date. The most recent inspection was completed on xxxxxx . | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Loan to Value: 47.77070%<br> Guideline Maximum Loan to Value: 60.00000%<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xxxxxx | xxxxxx<br>xxxxxx | Reviewer Comment (2025-11-14): Waived with compensating factors per lender and investor request.<br>Reviewer Comment (2025-11-14): Reopened at investor request to add compensating factor of LTV<br>Reviewer Comment (2025-08-27): Waived with compensating factors at clients request.<br>Buyer Comment (2025-08-25): Please waive to xxxxxx, appraisal was completed xxxxxx , which is after the disaster date, no damage. |  |  | 11/14/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 846038 | xxxxxx | 34358667 | xxxxxx | 08/22/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The ID documentation (license, passport, Visa) does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Borrower's address on the driver's license is the same as the subject property. |  |  |  | Reviewer Comment (2025-08-27): cleared with LOX.<br>Buyer Comment (2025-08-25): loe<br>Buyer Comment (2025-08-25): temp DL | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 846098 | xxxxxx | 34486152 | xxxxxx | 09/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The Property History Report and Fraud Report indicate a mortgage lien of xxxxxx on the primary residence, held in the names of both the borrower and a non-borrower. However, the mortgage statement reflects only the non-borrower. Since mortgage statements do not always list all liable parties, please provide a copy of the Note to confirm that the borrower is not obligated on the mortgage. |  |  |  | Reviewer Comment (2025-10-03): Received Credit Supplement to verify that borrower is not liable for mortgage payments. Exception cleared.<br>Buyer Comment (2025-10-01): See attached credit supplement stating the borrower is not listed on the loan and is not financially responsible.<br>Reviewer Comment (2025-09-30): Received Note is not executed by non-borrower. Provided executed copy of Note. Exception remains.<br>Buyer Comment (2025-09-29): See attached Note verifying he is not on the mtg.<br>Reviewer Comment (2025-09-29): Received 12 months mortgage statement to verify the housing history. In order to exclude the mortgage lien from DTI, a copy of the Note is require, since mortgage statement reflects only the non-borrower. To include the debt in DTI corrected 1003 and 1008 is requires, as the mortgage lien is not included in 1003 and 1008. Exception remains.<br>Buyer Comment (2025-09-25): Emailed the seller: We do have the 12-month history as mentioned in the notes. The final 1003 and 1008 do not have it included. We just need the updated 1003 and 1008 with the mortgage included.<br>Reviewer Comment (2025-09-22): Provide corrected 1003 and 1008 to include mortgage lien into DTI. Since Final 1003 application does not reflect mortgage lien for the primary residence. Exception remains.<br>Buyer Comment (2025-09-19): 12 months mortgage statements verifying payments are in the loan docs. Borrower does have ownership in this property.<br>Buyer Comment (2025-09-19): 12 months mortgage statements verifying payments are in the loan docs. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 846098 | xxxxxx | 34486158 | xxxxxx | 09/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  |  | Reviewer Comment (2025-09-25): Received Credit Report - Gap. Exception cleared.<br>Buyer Comment (2025-09-25): See attached gap report | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 846098 | xxxxxx | 34486201 | xxxxxx | 09/18/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx |  |  |  |  | Reviewer Comment (2025-10-09): Received VVOE dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-10-07): See attached VVOE dated xxxxxx<br>Reviewer Comment (2025-10-06): Received VVOE is dated xxxxxx which is post close. Provide VVOE dated within 10 days of the note date. Exception remains.<br>Buyer Comment (2025-10-03): See attached VOE<br>Reviewer Comment (2025-10-03): Received VVOE is dated post closing. Provide VVOE dated within 10 days of the note date. Exception remains.<br>Buyer Comment (2025-10-02): Please see attached VVOE. | 10/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 846098 | xxxxxx | 34494819 | xxxxxx | 09/18/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject zoning compliance not provided. |  | Investor approval in file for Legal nonconforming zoning with no comments on rebuilt if property destroyed. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-18): Client elects to waive with verified compensation factors<br>Allowed subject as grandfathered legal non conforming and can be rebuilt if destroyed 50% or less. Borrower is experienced investor owning > 2 properties, 791 credit score, > 6 months reserves and >14 years with no lates reported on credit report. |  |  | 09/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 846098 | xxxxxx | 34494880 | xxxxxx | 09/18/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy expiration date is missing from evidence of insurance. |  | Quotes only in file |  |  |  | Reviewer Comment (2025-09-29): Received hazard insurance policy with expiration date. Exception cleared.<br>Buyer Comment (2025-09-26): See attached HOI<br>Reviewer Comment (2025-09-22): The quote is good for 90 days. This is not an active policy. The active policy is required.<br>Buyer Comment (2025-09-19): 2nd page of the binder states valid for 90 day while they process and issue policy and the premium is for one full year which is why no end date. This matches the CD as well. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 846190 | xxxxxx | 34375460 | xxxxxx | 09/11/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Appraisal was provided. Sec ID: 119 | Note date: xxxxxx; Lien Position: 2 | FSD score is 0.17 which is > 0.13 allowed. A higher tiered product will be required (i.e. CDA, ARR, 2055E, field review, or second appraisal). |  |  |  | Reviewer Comment (2025-10-15): CDA provided<br>Buyer Comment (2025-10-14): See attached CDA | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846190 | xxxxxx | 34375482 | xxxxxx | 09/11/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Appraisal street address reflects as xxxxxx which does not matches the Note street address of xxxxxx. |  |  |  | Reviewer Comment (2025-09-16): Updated appraisal provided<br>Buyer Comment (2025-09-16): See attached updated appraisal | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846190 | xxxxxx | 34376859 | xxxxxx | 09/11/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | No bonafide discount points qualify for exclusion per xxxxxx undiscounted rate and undiscounted rate price testing. HOEPA fees exceed 5%. |  |  |  | Reviewer Comment (2025-10-21): Cure documentation received.<br>Buyer Comment (2025-10-17): See attached choice email from the borrower, LOE, tracking, copy of the check and PCCD | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846190 | xxxxxx | 34376860 | xxxxxx | 09/11/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | No bonafide discount points qualify for exclusion per xxxxxx undiscounted rate and undiscounted rate price testing. HOEPA fees exceed 5%. |  |  |  | Reviewer Comment (2025-10-21): Cure documentation received.<br>Buyer Comment (2025-10-17): See attached choice email from the borrower, LOE, tracking, copy of the check and PCCD | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846190 | xxxxxx | 34376861 | xxxxxx | 09/11/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | No bonafide discount points qualify for exclusion per xxxxxx undiscounted rate and undiscounted rate price testing. HOEPA fees exceed 5%.. |  |  |  | Reviewer Comment (2025-10-21): Cure documentation received.<br>Buyer Comment (2025-10-17): See attached choice email from the borrower, LOE, tracking, copy of the check and PCCD | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846190 | xxxxxx | 34376862 | xxxxxx | 09/11/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | No bonafide discount points qualify for exclusion per xxxxxx undiscounted rate and undiscounted rate price testing. HOEPA fees exceed 5%. |  |  |  | Reviewer Comment (2025-10-21): Cure documentation received.<br>Buyer Comment (2025-10-17): See attached choice email from the borrower, LOE, tracking, copy of the check and PCCD | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846190 | xxxxxx | 34376863 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.52555% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .52555%). Non-Compliant High Cost Loan. | No bonafide discount points qualify for exclusion per xxxxxx undiscounted rate and undiscounted rate price testing. HOEPA fees exceed 5%. |  |  |  | Reviewer Comment (2025-10-21): Cure documentation received.<br>Buyer Comment (2025-10-17): See attached choice email from the borrower, LOE, tracking, copy of the check and PCCD |  | 10/21/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| xxxxxx | 846190 | xxxxxx | 34376864 | xxxxxx | 09/11/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | No bonafide discount points qualify for exclusion per xxxxxx undiscounted rate and undiscounted rate price testing. HOEPA fees exceed 5%. |  |  |  | Reviewer Comment (2025-10-21): Cure documentation received.<br>Buyer Comment (2025-10-17): See attached choice email from the borrower, LOE, tracking, copy of the check and PCCD | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846190 | xxxxxx | 34376867 | xxxxxx | 09/11/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx Covered Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | xxxxxx Covered Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. | No bonafide discount points qualify for exclusion per xxxxxx undiscounted rate and undiscounted rate price testing. xxxxxx fees exceed 6%. |  |  |  | Reviewer Comment (2025-10-23): xxxxxx APLS Points and Fees exception cured.<br>Buyer Comment (2025-10-22): See attached attorney opinion letter, LOE from the seller and xxxxxx legal council acceptance letter.<br>Reviewer Comment (2025-10-21): The choice letter and refund do not clear the xxxxxx APLS condition. There is no readily available cure for the xxxxxx APLS condition outside of the narrow defense cure which the Lender would need to initiate.<br>Buyer Comment (2025-10-17): See attached choice email from the borrower, LOE, tracking, copy of the check and PCCD | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846190 | xxxxxx | 34376868 | xxxxxx | 09/11/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) xxxxxx Covered Loan (Financed Fees Exceeds Threshold) | xxxxxx Covered Loan: Lender financed points and fees in excess of the greater of 6% or $1,000. | No bonafide discount points qualify for exclusion per xxxxxx undiscounted rate and undiscounted rate price testing. xxxxxx fees exceed 6%. |  |  |  | Reviewer Comment (2025-10-23): xxxxxx APLS Points and Fees exception cured.<br>Buyer Comment (2025-10-22): See attached attorney opinion letter, LOE from the seller and xxxxxx legal council acceptance letter.<br>Reviewer Comment (2025-10-21): The choice letter and refund do not clear the xxxxxx APLS condition. There is no readily available cure for the xxxxxx APLS condition outside of the narrow defense cure which the Lender would need to initiate.<br>Buyer Comment (2025-10-17): See attached choice email from the borrower, LOE, tracking, copy of the check and PCCD | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846190 | xxxxxx | 34376869 | xxxxxx | 09/11/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) xxxxxx Covered Loan (Points and Fees) | xxxxxx Anti-Predatory Lending Statute: Points and Fees on subject loan of 6.93418% is in excess of the allowable maximum of 6.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .93418%). Non-Compliant High Cost Loan. | No bonafide discount points qualify for exclusion per xxxxxx undiscounted rate and undiscounted rate price testing. xxxxxx fees exceed 6%. |  |  |  | Reviewer Comment (2025-10-23): SitusAMC received within 45 days of discovery: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.<br>Buyer Comment (2025-10-22): See attached attorney opinion letter, LOE from the seller and xxxxxx legal council acceptance letter.<br>Reviewer Comment (2025-10-21): The choice letter and refund do not clear the xxxxxx APLS condition. There is no readily available cure for the xxxxxx APLS condition outside of the narrow defense cure which the Lender would need to initiate. |  | 10/23/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 45 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| xxxxxx | 846190 | xxxxxx | 34376870 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | The final CD reflects a disbursement date of xxxxxx which is the same as the RTC expiration date. There is a final settlement statement in file with an updated disbursement date of xxxxxx however it is not stamped certified. Provide the final stamped certified settlement statement with updated disbursement date. |  |  |  | Reviewer Comment (2025-09-16): Final stamped settlement statement provided updating disbursement date. Rescission met.<br>Buyer Comment (2025-09-16): See attached settlement statement | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| xxxxxx | 846190 | xxxxxx | 34732140 | xxxxxx | 10/15/2025 | 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: 121 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-15): Client elects to waive |  |  | 10/15/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846206 | xxxxxx | 34270466 | xxxxxx | 08/15/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-08-20): Confirmed per UCDP summary report, exception cleared.<br>Buyer Comment (2025-08-20): xxxxxx Team, Any update on this?<br>Buyer Comment (2025-08-19): SSR came in at 2.4, so no secondary value is needed as this supports the value | 08/20/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 846214 | xxxxxx | 34270468 | xxxxxx | 08/15/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Closing statement is missing for Net Proceeds from Sale of property. |  |  |  | Reviewer Comment (2025-08-20): Proof provided for proceeds of sale, exception cleared.<br>Buyer Comment (2025-08-20): Total Asset statements from all sources. Net proceeds of the sale of a property is a foreign asset sale. Utilized total assets to meet down payment requirements and reserves. | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 846224 | xxxxxx | 34667553 | xxxxxx | 08/20/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2025-09-04): FTP provided and cleared. | 09/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| xxxxxx | 846224 | xxxxxx | 34667555 | xxxxxx | 08/20/2025 | 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. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the xxxxxx T-42.1 endorsement. (The loan is a xxxxxx Section 50 (a)(6) home equity loan.) | Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the xxxxxx T-42.1 endorsement. |  |  |  | Reviewer Comment (2025-09-04): Provided and cleared.<br>Buyer Comment (2025-09-04): Please see attachment<br>Buyer Comment (2025-09-04): Final title policy is in the file and attached here for remedy<br>Buyer Comment (2025-09-04): Final title policy is in the file and attached here for remedy. | 09/04/2025 |  |  | 1 | B A | B A | 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 D A | Non QM | Non QM | No |
| xxxxxx | 846224 | xxxxxx | 34667556 | xxxxxx | 08/20/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  | Reviewer Comment (2025-09-04): Provided and cleared.<br>Buyer Comment (2025-09-04): Kindly see the attached. | 09/04/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | Non QM | Non QM | Yes |
| xxxxxx | 846224 | xxxxxx | 34667557 | xxxxxx | 08/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,112.50 exceeds tolerance of $1,556.25. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,112.50 exceeds tolerance of $1,556.25. Insufficient or no cure was provided to the borrower. (7200) |  |  |  | Reviewer Comment (2025-09-04): COC provided and cleared.<br>Buyer Comment (2025-09-04): Please see attached COC/CD that was sent to the borrower. Uploaded in file as well. This will remedy this condition. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxxxxx | 846224 | xxxxxx | 34667558 | xxxxxx | 09/04/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by lender at or before closing. | Lender signed disclosure xxxxxx vs. xxxxxx closing. |  |  |  | Reviewer Comment (2025-10-01): Disclosure signed by lender at closing provided and cleared.<br>Buyer Comment (2025-10-01): Attached is the Lender executed Acknowledgment regarding Fair Market Value.<br>Reviewer Comment (2025-09-23): Exception is regarding xxxxxx Fair Market Value disclosure, not the notice of extensions. Disclosure signed by lender xxxxxx and loan closed xxxxxx <br>Buyer Comment (2025-09-23): Here is the attachment showing the borrower signed the required xxxxxx 12-Day Notice on xxxxxx The loan closed on xxxxxx which is 21 calendar days later — well beyond the required 12-day waiting period.<br>The second signature on xxxxxx was part of the closing package and does not reset the disclosure timeline. Therefore, the loan complies with Section 50(a)(6)(M)(i) of the xxxxxx Constitution.<br>This exceeds the required 12-day minimum, so there is no violation of the xxxxxx home equity disclosure rules.<br>Reviewer Comment (2025-09-23): To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents 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.<br>Buyer Comment (2025-09-23): Dear Team,<br>The borrower received and signed the required xxxxxx 12-Day Notice on xxxxxx The loan closed on xxxxxx which is 21 calendar days later — well beyond the required 12-day waiting period. The second signature on xxxxxx was part of the closing package and does not reset the disclosure timeline. Therefore, the loan complies with Section 50(a)(6)(M)(i) of the xxxxxx Constitution.<br>This exceeds the required 12-day minimum, so there is no violation of the xxxxxx home equity disclosure rules.<br>Reviewer Comment (2025-09-22): To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents 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.<br>Buyer Comment (2025-09-22): Kindly find the attached<br>Reviewer Comment (2025-09-12): Disclosure signed by lender after closing, exception remains.<br>Buyer Comment (2025-09-12): Kindly see the attached. | 10/01/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents 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. A | Non QM | Non QM | Yes |
| xxxxxx | 846231 | xxxxxx | 34667562 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $256.50 exceeds tolerance of $214.00 plus 10% or $235.40. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| xxxxxx | 846231 | xxxxxx | 34667563 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (Interim xxxxxx) | Revised LE issued xxxxxx (e-signed by Borrower xxxxxx) was issued after Initial CD issued xxxxxx . |  |  |  | Reviewer Comment (2025-10-02): Attestation provided and cleared.<br>Buyer Comment (2025-10-02): Attached is the xxxxxx Lender Attestation regarding the Revised Loan Estimate as well as supporting documents signed by borrower - Changed Circumstance Detail Form, xxxxxx Lock-In Agreement and Revised LE delivered and signed by borrower xxxxxx .<br>Reviewer Comment (2025-09-24): SitusAMC received LOE, however LE issue date as per LOE is xxxxxx which is still after the CD issue date of xxxxxx .<br>Buyer Comment (2025-09-23): xxxxxx Team,<br>The attached shows the documents are all dated xxxxxx and a typographical error on the LE date. <br>I have also attached an attestation to clear this exception.<br>Reviewer Comment (2025-09-15): SitusAMC received rebuttal comment that this was a technical or procedural delay, and the system issue date of xxxxxx is incorrect. SitusAMC would require a Lender attestation preferably on letterhead and at a minimum signed by lender's authorized representative and reflecting their name & title along with additional information on the attestation regarding the clerical/bona fide error that occurred with an explanation of how it occurred notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. Lender should also attest to the actual LE issue date. Upon receipt of the Lender attestation with additional information noted along with the screen print, SitusAMC can re-review for correct LE date.<br>Buyer Comment (2025-09-12): Even though the revised LE shows the issue date of xxxxxx the audit trail proves the following. <br>The Change of Circumstance (COC) occurred on xxxxxx <br> The Revised LE was created and sent on xxxxxx <br> The borrower signed it on xxxxxx, before the Initial CD was signed on xxxxxx <br>This supports the argument that:<br>The Revised LE was timely delivered in response to a valid COC.<br> The system's issue date of xxxxxx is incorrect and likely due to a technical or procedural delay (e.g., reissuance or system update).<br> The borrower was not misled, and the disclosure sequence followed TRID intent | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined cure C A | Non QM | Non QM | No |
| xxxxxx | 846306 | xxxxxx | 34394306 | xxxxxx | 09/12/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | xxxxxx Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | The Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  | Reviewer Comment (2025-09-11): Client elects to waive |  |  | 09/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 846306 | xxxxxx | 34394307 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,104.00 exceeds tolerance of $2,565.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fees on the Loan Estimate dated xxxxxx was $2,565.00; however, the final Closing Disclosure reflects $4,104.00 without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-10-09): SitusAMC received LE dated xxxxxx and COC.<br>Buyer Comment (2025-10-08): Please see attached Re-disclosure.<br>Reviewer Comment (2025-10-08): SitusAMC as per COC dated xxxxxx the loan program was changed as a result discount points were changed to $4104 but as per file the fee increased on CD dated xxxxxx which is 5th day from the date of change received. Please provide if any missing disclosures or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-07): Please see attached COC with valid change, programed had to change for borrower to remain eligible for the loan they applied for. This is and has always been a valid change,<br>Reviewer Comment (2025-09-16): SitusAMC received COC dated xxxxxx however the reason mentioned is not valid. Kindly provide a valid reason as to why the loan discount point fee increased on CD dated xxxxxx for $4104 or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-09-15): Please see attached COC. | 10/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 846306 | xxxxxx | 34394308 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $565.00 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fees on the Loan Estimate dated xxxxxx was $550.00; however, the final Closing Disclosure reflects $565.00 without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-09-25): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2025-09-24): Please see attached additional information and cure documents.<br>Reviewer Comment (2025-09-16): SitusAMC received COC stating "Appraisal fee increase due to current market conditions" however we would require additional information as to what caused the market condition to impact appraisal fee. Kindly provide additional information for the fee increased or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-09-15): Please see attached COC. |  | 09/25/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 846306 | xxxxxx | 34394309 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $87.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | Total Lender cure of $28.80 reflecting on Final CD which includes cure of Credit Report Fee of $28.00. |  |  |  | Reviewer Comment (2025-09-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-15): Please see attached Lender Cure screen and Final CD showing lender credit for credit report fee. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 846306 | xxxxxx | 34394310 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | Total Lender cure of $28.80 reflecting on Final CD which includes cure of Transfer Fee of $0.80. However, since there are multiple violations, this condition will be addressed once all others are addressed. |  |  |  | Reviewer Comment (2025-09-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-15): Please see attache Lender Cure screen and Final CD showing lender credit for credit report fee. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 846306 | xxxxxx | 34394319 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  |  |  | Reviewer Comment (2025-09-16): SitusAMC received initial CD.<br>Buyer Comment (2025-09-15): Please see attached initial CD. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| xxxxxx | 846306 | xxxxxx | 34683797 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $87.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing |  | 10/09/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxxxx | 846306 | xxxxxx | 34683798 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.80 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing |  | 10/09/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxxxx | 846310 | xxxxxx | 34489667 | xxxxxx | 09/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Under Section 3a of the provided Final 1003 in file, the Monthly Insurance, Taxes and Association Dues, etc., reflects recurring payment of $312.00 and there is no supporting documents to verify the payment. |  |  |  | Reviewer Comment (2025-10-01): Received 1003 with corrected HOA with supporting documents to verify the payments. Exception cleared.<br>Buyer Comment (2025-09-30): xxxxxx Lender response: corrected 1003 with updated HOA figure in 3a and documentation used | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846310 | xxxxxx | 34518761 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The CPA does not list what business is being verified. |  |  |  | Reviewer Comment (2025-10-29): Received CPA letter reflecting the business name. Exception cleared.<br>Buyer Comment (2025-10-27): xxxxxx please see attached.<br>Reviewer Comment (2025-10-01): Received Article of Organization is not acceptable document. Provide corrected CPA letter with business name or operating agreement to confirm the ownership percentage of the business used for qualification. Exception remains.<br>Buyer Comment (2025-09-30): xxxxxx Lender response: see recorded article of incorporation showing our borrower is the only agent on record.<br>Reviewer Comment (2025-09-24): Received Business Listing document is insufficient to verify the ownership percentage of the business. The CPA statement does not specify which business is being verified. Please provide documentation that clearly confirms the ownership percentage of the business used for qualification Exception remains.<br>Buyer Comment (2025-09-23): xxxxxx Lender response: Please see active business listing with the state of xxxxxx | 10/29/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846321 | xxxxxx | 34789208 | xxxxxx | 10/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title. 3 liens on title and only 2 paid off through closing. Also multiple pages of child support/liens etc not addressed. |  |  |  | Reviewer Comment (2025-10-30): An updated title was provided, and the Child Support and other judgments do not appear to be the borrower's, as the DOB does not match.<br>Reviewer Comment (2025-10-28): Received updated title and satisfaction of mortgage for third lien. However, this does not address the multiple pages of child support and additional liens. Provide the clear final title or supplement/email from title stating will not appear on final title.<br>Buyer Comment (2025-10-27): Attached Schedule B that was submitted to closing. Only xxxxxx mortgage and xxxxxx open and were both paid off at closing.There was another mortgage showing open when we originally received the title report but I already provided the Mortgage Release Satisfaction and Discharge in UW<br>Reviewer Comment (2025-10-27): The affidavit does not clear this condition. Provide the clear final title policy or supplement or email from title stating items will not appear on the final title.<br>Buyer Comment (2025-10-27): Please see affidavit | 10/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 846321 | xxxxxx | 34789247 | xxxxxx | 10/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx/Schedule K-1 less than 25 Percent) |  |  |  |  | Reviewer Comment (2025-10-23): Client elects to waive |  |  | 10/23/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 846335 | xxxxxx | 34534331 | xxxxxx | 09/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  |  | Reviewer Comment (2025-09-30): Received UDM dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-09-29): Please see attached Gap Report. | 09/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846335 | xxxxxx | 34534402 | xxxxxx | 09/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. | Borrower: xxxxxx | 1003/ Declaration section - (D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes). Provide the documentation. |  |  |  | Reviewer Comment (2025-10-10): Received corrected 1003. Exception cleared.<br>Buyer Comment (2025-10-08): Please see attached 1003.<br>Reviewer Comment (2025-09-30): The 1003/ Declaration section question reflects "Yes", if this was checked in error. Please provide corrected 1003. Exception remains.<br>Buyer Comment (2025-09-29): Seller / Lender rebuttal; The explanation is filled in on page 8 of the Final URLA 1003 and is not his personally but his company's so no documentation should be needed as he closed this loan in his personal name. | 10/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846335 | xxxxxx | 34534501 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $960.00 exceeds tolerance of $950.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Lender Cure of $10.00 is reflecting on Final CD. |  |  |  | Reviewer Comment (2025-09-23): Sufficient Cure Provided At Closing |  | 09/23/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 846370 | xxxxxx | 34303595 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC missing for Seller - xxxxxx. |  |  |  | Reviewer Comment (2025-09-04): Received updated Fraud report including the missing participant. Exception cleared.<br>Buyer Comment (2025-09-04): See data verify for xxxxxx | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 846418 | xxxxxx | 34478534 | xxxxxx | 09/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The Appraisal Desk Review Fee was not disclosed on Initial Loan Estimate and was later disclosed on initial closing disclosure as $120.00 dated xxxxxx . Provided COCs in file does not state a valid reason for the change. |  |  |  | Reviewer Comment (2025-09-22): SitusAMC received a valid COC.<br>Buyer Comment (2025-09-19): See UPLd COC for Desk Review | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 846418 | xxxxxx | 34478535 | xxxxxx | 09/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $775.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee was disclosed on Initial Loan Estimate as $775.00 and was later increased to $875.00 on the revised Loan Estimate dated xxxxxx . Provided COCs in file does not state a valid reason for the change. |  |  |  | Reviewer Comment (2025-09-22): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-19): This was cured at close. Please clear. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 846418 | xxxxxx | 34478536 | xxxxxx | 09/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | The Second Appraisal Fee was not disclosed on Initial Loan Estimate and was later disclosed on the Closing Disclosure dated xxxxxx as $875.00 and was increased on Final CD to $150.00. Provided COCs in file does not state a valid reason for the change. |  |  |  | Reviewer Comment (2025-09-24): SitusAMC received valid COC document<br>Buyer Comment (2025-09-23): See original transferred appraisal as requested<br>Reviewer Comment (2025-09-22): SitusAMC received COC stating the initial appraisal was transferred. However, the previous appraisal and transfer letter is missing from file. Kindly provide requested documents in order to clear the exception or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-09-19): See COC and LOX from our UW Mgmt regarding the 2nd appraisal. It's not truly a 2nd appraisal, but, corrections and updates to a transferred appraisal. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 846418 | xxxxxx | 34478557 | xxxxxx | 09/18/2025 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | As per CDA the effective date does not match and the provided Final CD in file also indicate 2nd Appraisal. Provide a copy of the missing appraisal with effective date xxxxxx . |  |  |  | Reviewer Comment (2025-09-24): Additional appraisal provided<br>Buyer Comment (2025-09-24): Uploaded is the original, transferred appraisal that you were initially missing dated xxxxxx<br>Reviewer Comment (2025-09-23): As previously stated, the LOE is not acceptable nor COC. The CDA provided reflects an appraisal was reviewed with an effective date of xxxxxx and completion date of xxxxxx The appraisal in file has an effective date of xxxxxx and completion date of xxxxxx An updated appraisal would not change the effective date but only completion date. If there is truly no second appraisal, the the CDA will need to be updated with the correct appraisal under review dates.<br>Buyer Comment (2025-09-23): Please re-review the previously uploaded documents and commentary from our UW manager. There is not a true 2nd appraisal. The initial appraisal was a transferred appraisal. When errors were noted and the appraiser requested to correct, he issued a 2nd appraisal in name only, really. He made the corrections, updated the appraisal to xxxxxx, and, charged the additional $150.<br>Reviewer Comment (2025-09-19): The COC does not clear this condition. The CDA reflects an appraisal was reviewed with an effective date of xxxxxx and completion date of xxxxxx . The appraisal in file has am effective date of xxxxxx and completion date of xxxxxx .<br>Buyer Comment (2025-09-19): See COC and LOX from our UW Mgmt regarding the 2nd appraisal. It's not truly a 2nd appraisal, but, corrections and updates to a transferred appraisal. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846418 | xxxxxx | 34495489 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Business Returns are not signed and dated by the borrower. |  |  |  | Reviewer Comment (2025-10-08): Signed and dated 8879-Corp provided. Figure matches 2023 return for ordinary total income. Under e-filing shows for year 2023.<br>Buyer Comment (2025-10-03): Please see attached<br>Reviewer Comment (2025-10-03): Received signed and dated Business Returns for 2024 and 2022. Provide signed and dated Business Returns for 2023. Exception remains.<br>Buyer Comment (2025-10-02): See uploaded, signed e-file authorization forms for borrower's business returns along with CPA letter | 10/08/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846418 | xxxxxx | 34537876 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $775.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-24): Sufficient Cure Provided At Closing |  | 09/24/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 846418 | xxxxxx | 34544871 | xxxxxx | 09/24/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Transfer letter not provided | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly 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 representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-24): Client elects to waive |  |  | 09/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846634 | xxxxxx | 34582286 | xxxxxx | 09/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Other<br> Other | Provide the property profile reports to support properties are free and clear. HOI with no mortgagee is not proof of free and clear and 2024 tax returns are too old and does not support any new liens not taken out in 2025. |  |  |  | Reviewer Comment (2025-10-13): Received Property History Report and Satisfaction Letter to verify properties are free and clear. Exception cleared.<br>Buyer Comment (2025-10-09): Please see the attached to support both properties are free/clear. xxxxxx! | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846634 | xxxxxx | 34582329 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller, xxxxxx is missing. |  |  |  | Reviewer Comment (2025-10-13): Received Fraud and OFAC search run on Seller, xxxxxx. Exception cleared.<br>Buyer Comment (2025-10-10): Please see attached Fraud with xxxxxx. xxxxxx! | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846649 | xxxxxx | 34498019 | xxxxxx | 09/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: xxxxxx Occupancy: Investment; Declarations/Will borrower occupy: Yes | Subject transaction is Purchase of Investment Property. However on Declaration (Section 5 A) "Will you occupy the property as your primary residence?" is checked as Yes. Provided the corrected 1003. |  |  |  | Reviewer Comment (2025-10-16): Updated 1003 provided<br>Buyer Comment (2025-10-16): Please see 1003. xxxxxx! | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 846649 | xxxxxx | 34519604 | xxxxxx | 09/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  |  | Reviewer Comment (2025-10-22): Received Credit Report - Gap. Exception cleared.<br>Buyer Comment (2025-10-21): Please see UDM Report - All new debt previously documented in file. | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 846649 | xxxxxx | 34539096 | xxxxxx | 09/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller, xxxxxx, was not included in the report. |  |  |  | Reviewer Comment (2025-10-13): Received Fraud and OFAC search run on the seller. Exception cleared.<br>Buyer Comment (2025-10-09): Please see LDP GSA with seller, xxxxxx. | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 846649 | xxxxxx | 34539347 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Initial and final 1003, dec page, reflects intent to occupy. |  |  |  | Reviewer Comment (2025-09-24): Client elects to waive |  |  | 09/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 846741 | xxxxxx | 34668372 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,120.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 846741 | xxxxxx | 34668373 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,500.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 846741 | xxxxxx | 34668388 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $487,493.03 is over disclosed by $95.00 compared to the calculated Amount Financed of $487,398.03 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) | Finance charge due to Appraisal management fee $95.00 as per appraisal invoice. |  |  |  | Reviewer Comment (2025-10-14): SitusAMC received LOA.<br>Seller Comment (2025-10-13): Please see lender attestation regarding Lump Sum Charges (Appraisal Mgmt Fee) | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 846741 | xxxxxx | 34668389 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $611,548.98 is under disclosed by $95.00 compared to the calculated Finance Charge of $611,643.98 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance charge due to Appraisal management fee $95.00 as per appraisal invoice. |  |  |  | Reviewer Comment (2025-10-14): SitusAMC received LOA.<br>Seller Comment (2025-10-13): Please see attached Lender Attestation regarding Lump Sum Charges (Appraisal Mgmt Fee) | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 846741 | xxxxxx | 34668606 | xxxxxx | 10/10/2025 | 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: 121 | Note date: xxxxxx; Lien Position: 2 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-08): Client elects to waive |  |  | 10/08/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846741 | xxxxxx | 34678312 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Appraisal and Final Title notes property is in a PUD, however no PUD rider is attached to the DOT. 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 to re-record. |  |  |  | Reviewer Comment (2025-10-29): All cure docs were provided.<br>Seller Comment (2025-10-27): Please see attached from xxxxxx showing proof of receipts<br>Reviewer Comment (2025-10-24): An LOE to borrower and evidence of delivery to the borrower are part of the cure requirements when documents are corrected post-close and is required. LOE to borrower was not provided and copy of envelope provided for proof of mailing. LOE to borrower is still required as well as borrower confirmation that LOE and corrected documents were receive as an envelope cannot be tracked.<br>Seller Comment (2025-10-22): Please escalate, the borrower executed the document and therefore is in receipt and has their own copy of the correction - See email from title<br>Reviewer Comment (2025-10-22): Received corrected and executed DOT adding in the PUD rider, executed PUD rider and lender's LOI to re-record. Provide LOE to borrower evidence of delivery to the borrower. Exception remains.<br>Seller Comment (2025-10-21): Please see attached recorded SD | 10/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846741 | xxxxxx | 34678331 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Cert is not executed by xxxxxx. |  |  |  | Reviewer Comment (2025-10-15): Received updated Occupancy Certificate signed by xxxxxx. Exception cleared.<br>Seller Comment (2025-10-15): See attached<br>Reviewer Comment (2025-10-15): Received same Occupancy Certificate that is not executed by xxxxxx. Exception remains.<br>Seller Comment (2025-10-14): Please see attached | 10/15/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846799 | xxxxxx | 34357550 | xxxxxx | 09/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow property on > 5 acres (xxxxxx). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-09-10): Please see exception |  |  | 09/10/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 846799 | xxxxxx | 34369104 | xxxxxx | 09/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per the fraud report and property profile report there is a xxxxxx mortgage lien on the primary residence since xxxxxx. Lien is not shown on the credit report. Provide the 12 month housing history or evidence of release of lien. |  |  |  | Reviewer Comment (2025-09-22): Received LOE from xxxxxx stating that borrower wife, xxxxxx is the sole borrower of the note associated with the primary residence. Exception cleared.<br>Buyer Comment (2025-09-19): Please see LOE from xxxxxx<br>Reviewer Comment (2025-09-12): Received 1098 is not acceptable to verify borrower is not liable for mortgage payment, provide Note document. Exception remains.<br>Buyer Comment (2025-09-11): the loan on the subject property is not in the borrowers name. Please see the attached 1098 Tax statement for 2024 that references the xxxxxx loan and shows that it is not in the borrowers name | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 846799 | xxxxxx | 34373697 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | 1) OA is not signed by owners for Borrowing Entity 2) OA is not signed for xxxxxx (assets). |  |  |  | Reviewer Comment (2025-09-12): Received Operating Agreement. Exception cleared.<br>Buyer Comment (2025-09-11): please see signed operating agreement | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 846799 | xxxxxx | 34373699 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Borrowing Cert is not signed by owners. |  |  |  | Reviewer Comment (2025-09-22): Received corporate resolution with corrected loan amount. Exception cleared.<br>Buyer Comment (2025-09-19): please see document with corrected loan amount<br>Reviewer Comment (2025-09-18): Received Borrowing Cert is signed by owners. However, loan amount provided is incorrect. Exception remains.<br>Buyer Comment (2025-09-17): please see attached<br>Buyer Comment (2025-09-17): Please see the attached docs<br>Reviewer Comment (2025-09-12): Received Borrowing Cert is signed by owners. However, loan amount provided is incorrect. Exception remains.<br>Buyer Comment (2025-09-11): Please see borrowing cert | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No |
| xxxxxx | 846810 | xxxxxx | 34639296 | xxxxxx | 10/06/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Per guidelines for xxxxxx, Current valuation, within 30 days prior to the note date, must only be determined from xxxxxx Statement date xxxxxx which is more than 30 days prior to the Note. |  |  |  | Reviewer Comment (2025-10-20): Received xxxxxx statement. Exception cleared.<br>Buyer Comment (2025-10-17): Please see attached updated statement. xxxxxx | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 846819 | xxxxxx | 34321688 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Final CD reflects a disbursement date prior to RTC expiration. |  |  |  | Reviewer Comment (2025-09-15): PC-CD and final stamped settlement statement provided updating disbursement date. Rescission requirements met.<br>Seller Comment (2025-09-14): And Please see certificate Final settlement statement. xxxxxx<br>Seller Comment (2025-09-14): Please see revised post cd attached. xxxxxx<br>Reviewer Comment (2025-09-09): A PC-CD is a lender generated document and does not clear this condition. If the disbursement date on the final CD is incorrect, provide the final stamped settlement statement to support.<br>Seller Comment (2025-09-09): It appears that the PKG was delivered without the Post CD. Could you please review and provide the Post CD? | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 846819 | xxxxxx | 34321693 | xxxxxx | 09/05/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Provide initial 1003 signed and dated by all the parties. |  |  |  | Reviewer Comment (2025-09-09): Signed initial 1003 provided | 09/09/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846819 | xxxxxx | 34321711 | xxxxxx | 09/05/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage payment history is not reflected on Credit report. Provide VOM for property " xxxxxx"<br>• Other acceptable mortgage payment proof in lieu of VOM (must clearly indicate no mortgage <br> lates): <br> o 12 months cancel checks, ACH payment, bank transfer/wire, electronic payment<br> o 12 months mortgage statements for the review period<br> o 12 months loan payment history from the creditor/servicer + proof of borrower's payment <br> for the most recent 6 months |  |  |  | Reviewer Comment (2025-09-19): Received 13 months mortgage statement for the property located at xxxxxx to verify housing history. Exception cleared.<br>Seller Comment (2025-09-17): Please see 12 month MTG of xxxxxx<br>Reviewer Comment (2025-09-09): Mortgage history reporting for 6 months for xxxxxx, however DLA is xxxxxx . Provide the updated housing history.<br>Seller Comment (2025-09-09): The MTG of the property xxxxxx is reflecting on the credit report. Account xxxxxx. Please confirm. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846819 | xxxxxx | 34321752 | xxxxxx | 09/05/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | As per the provided Final 1003 in file, the property at xxxxxx reflects a new lien from xxxxxx and no supporting documents are provided in file to verify the PITIA of the property. Provide Final CD / First Payment Letter to verify the PITIA of the property. |  |  |  | Reviewer Comment (2025-09-09): Final CD and Note provided<br>Seller Comment (2025-09-08): Please find attached Final CD, EOI(+invoice), NOTE | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846819 | xxxxxx | 34321759 | xxxxxx | 09/05/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Other<br> Other | Per the guidelines, lease agreement along with Form1007 or 2 months rent receipt or security deposit and first month's rent for use of rental income, however, only 1 month of rent receipt was provided. Provide most recent rent receipt to verify the rental income. Needed to qualify. |  |  |  | Reviewer Comment (2025-09-15): Additional 1 month received for reach property<br>Reviewer Comment (2025-09-12): Received bank statement reflects only 1 month of deposit for the month of July 2025 for both properties, please provide additional 1 month of deposit for both properties or 1007. Exception remains.<br>Seller Comment (2025-09-10): For xxxxxx, the rental income of $3,000 is highlighted in purple, and for xxxxxx, the rental income of $3,700 is highlighted in yellow. Supporting documents for both June and July have already been provided. Please review and confirm.<br>Seller Comment (2025-09-10): Please note that in PKG#178-180, the highlighted purple section reflects the rental income for this property. An LOE specifying this has already been provided. Kindly review the attached file again and clear this condition.<br>Reviewer Comment (2025-09-09): The documents noted on these pages were already reviewed. Per the original condition, only 1 month of rent receipt was provided when 2 are required. Provide most recent rent receipt to verify the rental income.<br>Seller Comment (2025-09-09): The requested documents are already included in the PKG.<br>1. xxxxxx → PKG Page #159–180<br> 2. xxxxxx → PKG Page #192–211<br>Kindly review and confirm. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846819 | xxxxxx | 34350182 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Originator Application Date was not provided |  | No evidence in file of application date. |  |  |  | Reviewer Comment (2025-09-09): Signed initial 1003 provided<br>Seller Comment (2025-09-08): Please see revised 1003 | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 846987 | xxxxxx | 34320112 | xxxxxx | 09/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-09-05): Received 1008 with UW name. Exception cleared.<br>Seller Comment (2025-09-04): Approval | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847022 | xxxxxx | 34358196 | xxxxxx | 09/10/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee + ISAOA is missing |  |  |  | Reviewer Comment (2025-09-19): Lender attestation provided indicating xxxxxx is the servicer<br>Buyer Comment (2025-09-19): per closing instructions xxxxxx is our servicer<br>Reviewer Comment (2025-09-16): The HOI provided does not reflect the correct mortgagee + ISAOA.<br>Buyer Comment (2025-09-15): Please see attached. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847022 | xxxxxx | 34358197 | xxxxxx | 09/10/2025 | 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 (2025-09-16): Supplement provided<br>Buyer Comment (2025-09-15): Please see attached. | 09/16/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847022 | xxxxxx | 34394185 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Required by Bylaws |  |  |  | Reviewer Comment (2025-09-17): Received Corporate Resolution. Exception cleared.<br>Buyer Comment (2025-09-15): Corporate resolution docs | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847022 | xxxxxx | 34396722 | xxxxxx | 09/10/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA city does no match |  |  |  | Reviewer Comment (2025-09-16): Updated CDA provided<br>Buyer Comment (2025-09-15): Corrected CDA | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847022 | xxxxxx | 34396725 | xxxxxx | 09/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final HUD reflects a disbursement date prior to loan consummation. |  |  |  | Reviewer Comment (2025-09-23): Final stamped settlement statement provided with updated disbursement date<br>Buyer Comment (2025-09-22): Please see attached.<br>Reviewer Comment (2025-09-16): An unsigned HUD is not acceptable. Provide the final stamped settlement statement with corrected disbursement date.<br>Buyer Comment (2025-09-15): HUD | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847088 | xxxxxx | 34724265 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $150.00 exceeds tolerance of $149.00. Sufficient or excess cure was provided to the borrower at Closing. (7319) | Lender Cure of $1.00 is reflecting on Final CD. |  |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| xxxxxx | 847088 | xxxxxx | 34743738 | xxxxxx | 10/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller xxxxxx on behalf of as xxxxxx of the xxxxxx, is missing. |  |  |  | Reviewer Comment (2025-10-23): Received Fraud and OFAC search run on Seller xxxxxx. Exception cleared.<br>Buyer Comment (2025-10-22): Please see attached. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 847092 | xxxxxx | 34590513 | xxxxxx | 10/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-10-15): Final 1003 and corrected 1003 provided<br>Buyer Comment (2025-10-15): See attached 1003<br>Reviewer Comment (2025-10-13): The final 1003 was provided, however the dec page reflects No to will occupy as a primary and transaction is purchase of a primary residence. Provide the updated 1003.<br>Buyer Comment (2025-10-10): See attached 1003 | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 847092 | xxxxxx | 34590517 | xxxxxx | 10/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Citizen Status not provided |  | Provide the unexpired perm resident card. |  |  |  | Reviewer Comment (2025-10-15): Unexpired perm resident card provided<br>Buyer Comment (2025-10-14): See attached Greencard | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 847092 | xxxxxx | 34591029 | xxxxxx | 10/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-10-16): 1008 w/ UW name provided<br>Buyer Comment (2025-10-16): See attached correct 1008<br>Reviewer Comment (2025-10-15): Approval provided is not for the subject property<br>Buyer Comment (2025-10-14): See attached 1008 | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 847092 | xxxxxx | 34591117 | xxxxxx | 10/02/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-01): Client elects to waive |  |  | 10/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 847092 | xxxxxx | 34612913 | xxxxxx | 10/02/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | The guidelines require the business being utilized to qualify to be open and active for 2 years. The borrower has been in the same line of work for two years but opened current business on xxxxxx . | 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. |  | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-21): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-17): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 6 months or more / 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<br>Reviewer Comment (2025-10-16): The guidelines require the business being used for income to be open and active for 2 years. The same line of work and same business are not the same thing.<br>Buyer Comment (2025-10-16): The transition from sole proprietorship to corporate entity was a legal restructuring not the start of a new business. The borrower retained the same role, function, and client base throughout. The CPA letter confirms the borrower has been self-employed for three years as an xxxxxx. The borrowers income documentation, CPA verification, and consistent business activity all support a xxxxxx and ongoing self-employment history exceeding two years.<br>Reviewer Comment (2025-10-15): Being in the same line of work is not the same and the current business being open and active for two years which the guidelines require.<br>Buyer Comment (2025-10-15): CPA included confirms that borrower has been self-employed for 3 years active as an xxxxxx. It has always been the same business/line of work, the only change was the transition from conducting business as a sole proprietor to a corporate entity. This should be within the program guidelines. |  |  | 10/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 847137 | xxxxxx | 34714024 | xxxxxx | 10/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  |  | Reviewer Comment (2025-10-15): The Credit Refresh LQ Gap report dated xxxxxx was included in file. Exception cleared.<br>Buyer Comment (2025-10-15): xxxxxx Lender response: Invalid condition as the LQI was provided on pages 561-562 of the closing package. Please see attached. | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 847159 | xxxxxx | 34702163 | xxxxxx | 10/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note is signed Individually and as as xxxxxx by xxxxxx, however no credit documents were provided for xxxxxx. |  |  |  | Reviewer Comment (2025-10-24): Chain of events shows Note emailed to title, and then signed by individual and trustee. Exception cleared<br>Buyer Comment (2025-10-24): See attached chain of events to have note resigned.<br>Reviewer Comment (2025-10-22): The same Note was provided that was provided on 1016. Please review the previous comments: Received executed and corrected Note and Addendum to Note with xxxxxx as the individual and trustee, therefore credit documents are not required for xxxxxx. Pending receipt of LOE to borrower and evidence of delivery to the borrower. Clarity comments with tracking number is not acceptable. Must reflect, at minimum, in transit.<br>Buyer Comment (2025-10-22): Updated note<br>Reviewer Comment (2025-10-16): Received executed and corrected Note and Addendum to Note with xxxxxx as the individual and xxxxxx, therefore credit documents are not required for xxxxxx. Pending receipt of LOE to borrower and evidence of delivery to the borrower. Clarity comments with tracking number is not acceptable. Must reflect, at minimum, in transit.<br>Buyer Comment (2025-10-16): xxxxxx please see New note shipped today to warehouse. tracking UPS xxxxxx | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 847159 | xxxxxx | 34702780 | xxxxxx | 10/13/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The mortgage not reporting on the credit report for the properties located at xxxxxx, Note, creditor pay history and VOM provided. Proof of borrower's payment for the most recent 6-months is required for both properties. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-20): The client elects to waive.<br>Buyer Comment (2025-10-20): 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 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br>Reviewer Comment (2025-10-17): Received creditor pay history. However, the document requested is for the borrower's payment history for the most recent 6-months is required for both properties. Exception remains.<br>Buyer Comment (2025-10-15): Payment history on xxxxxx loans |  |  | 10/20/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 847159 | xxxxxx | 34714153 | xxxxxx | 10/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Insurance Verification<br> Insurance Verification |  |  |  |  | Reviewer Comment (2025-10-20): Insurance verification was provided.<br>Buyer Comment (2025-10-16): xxxxxx please see attached | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 847159 | xxxxxx | 34714162 | xxxxxx | 10/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Per the purchase contract, property is a new purchase. Provide the Final CD /First Payment letter to verify PITIA. New debt must be included in the ratios. Subject to DTI recalculation. |  |  |  | Reviewer Comment (2025-10-24): Received Property History Report, LOX and Purchase Contract to verify property is free and clear. Exception cleared.<br>Buyer Comment (2025-10-22): See property detail report, property is Free and Clear, only taxes and insurance should be added to DTI<br>Reviewer Comment (2025-10-16): Received taxes and insurance document that was already provided at the time of review. The document requested is for the Final CD /First Payment letter. Exception remains.<br>Buyer Comment (2025-10-14): Insurance and taxes on xxxxxx | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 847159 | xxxxxx | 34714172 | xxxxxx | 10/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Per the deed in file, the property was just transferred from the individuals to the Trust. Provide the property profile report to support no liens in the borrower's name otherwise, PITIA will be required for 6 months statements any liens are being paid by the Trust. |  |  |  | Reviewer Comment (2025-10-17): Received Property History Report to verify there are no mortgage liens. Exception cleared.<br>Buyer Comment (2025-10-16): xxxxxx Please see attached property profile report on xxxxxx that shows no liens | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 847173 | xxxxxx | 34631956 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Reviewer Comment (2025-10-02): Client elects to waive |  |  | 10/02/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 847211 | xxxxxx | 34440094 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate only in file. Must reflect defaulted taxes on title paid. |  |  |  | Reviewer Comment (2025-09-22): Clear FTP provided<br>Buyer Comment (2025-09-22): Please see attached Final SS.<br>Reviewer Comment (2025-09-19): Final stamped settlement statement provided, however does not reflect the defaulted taxes on title paid through closing. Provide evidence the default taxes are paid.<br>Buyer Comment (2025-09-19): Please see attached Final SS. | 09/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 847211 | xxxxxx | 34440412 | xxxxxx | 09/18/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-09-22): FTP provided | 09/22/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 847212 | xxxxxx | 34443994 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate Settlement Statement only in file. |  |  |  | Reviewer Comment (2025-09-19): Final stamped settlement statement provided<br>Buyer Comment (2025-09-18): Please see attached SS. | 09/19/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 847229 | xxxxxx | 34478660 | xxxxxx | 08/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File does not contain a 12 month housing history for primary residence. |  |  |  | Reviewer Comment (2025-09-16): cleared with UW comment on 1008.<br>Buyer Comment (2025-09-15): 1008<br>Reviewer Comment (2025-09-09): LOE and 1008 received reflecting borrower lives rent free with someone other than a spouse; however, underwriter discretion in approving loan not in 1008 comments. Please provide underwriter reasoning for approving borrower living rent free with someone other than a spouse.<br>Buyer Comment (2025-09-05): 1008<br>Buyer Comment (2025-09-05): loe | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847231 | xxxxxx | 34478688 | xxxxxx | 09/10/2025 | 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 (2025-09-15): cleared with final SS.<br>Buyer Comment (2025-09-11): Final SS | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847231 | xxxxxx | 34478689 | xxxxxx | 09/10/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction. OFAC is missing business entity. |  |  |  | Reviewer Comment (2025-09-15): Cleared with Fraud Report.<br>Buyer Comment (2025-09-11): Fraud | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847231 | xxxxxx | 34478690 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of Good Standing dated within 90 days of the Note date. |  |  |  | Reviewer Comment (2025-09-15): cleared with fraud report/ofac.<br>Buyer Comment (2025-09-11): COGS | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847232 | xxxxxx | 34478665 | xxxxxx | 09/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2025-09-05): cleared with final SS.<br>Buyer Comment (2025-09-04): Please see attached Final HUD-1 | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 847233 | xxxxxx | 34478662 | xxxxxx | 08/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-09-05): cleared with ofac.<br>Buyer Comment (2025-09-04): Please find clear OFAC attached. xxxxxx. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| xxxxxx | 847240 | xxxxxx | 34478678 | xxxxxx | 09/09/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 674 is less than Guideline representative FICO score of 680. | Minimum FICO for first time investor 680. Lender exception in file. Compensating factors: DSCR and reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reserves: 31.28<br> Guideline Requirement: 2.00<br>Debt Service Coverage Ratio: 1.60<br> Guideline Requirement: 1.00 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-08): Waived with compensating factors per lender exception approval at origination. |  |  | 09/08/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxxxxx | 847242 | xxxxxx | 34678850 | xxxxxx | 09/09/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing for the business entity. |  |  |  | Reviewer Comment (2025-09-12): Received<br>Buyer Comment (2025-09-10): fraud summary | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 847242 | xxxxxx | 34678851 | xxxxxx | 09/09/2025 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | Credit Report: Original // Borrower: xxxxxx Credit history reflects a total of 1 reported late payments. | Primary housing history exceeds 1x30x12 which does not meet guidelines. |  |  |  | Reviewer Comment (2025-09-18): Matrix allows up to 0x60x12 with LTV reduction. Condition cleared..<br>Reviewer Comment (2025-09-12): Per matrix, under Housing History: Investment it states 1x30x12 is allowed. Mortgage history exceeds 1x30x12, which would not be permitted per guidelines.<br>Buyer Comment (2025-09-10): Borrower meets 70% LTV due to having 1x30x12 late payment; guidelines do not address having more 30 day late payments | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 847245 | xxxxxx | 34678846 | xxxxxx | 09/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | Borrower: xxxxxx | Permanent Resident Alien card is expired. |  |  |  | Reviewer Comment (2025-09-11): Received I-797 Notice accompanying I-551 permanent resident card, which meets guideline requirements.<br>Buyer Comment (2025-09-09): I751 | 09/11/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 847245 | xxxxxx | 34678847 | xxxxxx | 09/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | File is missing source of gift funds. Final HUD-1 does not reflect gift funds brought to closing. |  |  |  | Reviewer Comment (2025-09-16): cleared with cashiers check and HUD.<br>Reviewer Comment (2025-09-16): Provide evidence of the gift funds being transferred to donor or title company. ie; wire receipt, copy of check<br>Buyer Comment (2025-09-16): final SS<br>Reviewer Comment (2025-09-11): Received same cashier's check as in original file. Source of these funds required, as final HUD1 does not reflect they were brought to closing.<br>Buyer Comment (2025-09-09): gift funds | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 847247 | xxxxxx | 34478651 | xxxxxx | 08/28/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 686 is less than Guideline representative FICO score of 700. | Lender approved exception to allow FICO of 686 at 75% LTV versus program minimum FICO of 700 to 75% LTV with DSCR 1 minimum on cash-out transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 105.23<br> Guideline Requirement: 2.00<br>The qualifying DSCR on the loan is greater than the guideline minimum. | xxxxxx<br>xxxxxx | Reviewer Comment (2025-08-28): Waived with compensating factors per lender exception approval at origination. |  |  | 08/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| xxxxxx | 847251 | xxxxxx | 34678854 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | File is missing Certificate of Good Standing dated within 90 days of closing. |  |  |  | Reviewer Comment (2025-09-22): COGS<br>Buyer Comment (2025-09-18): Please accept in place of cert of good standing as document reflects the same information. xxxxxx. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxxxx | 847253 | xxxxxx | 34478686 | xxxxxx | 09/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow mortgage payment history showing (2) 30-day lates (xxxxxx and xxxxxx xxxxxx). | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.63<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 620<br> Representative FICO: 695 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-09): Waived with compensating factors per lender exceptions approval at origination |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| xxxxxx | 847255 | xxxxxx | 34678842 | xxxxxx | 08/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent-free with someone other than spouse (mother). |  |  |  | Reviewer Comment (2025-09-18): Cleared with UW discretion comment on the 1008 per lenders credit memo.<br>Buyer Comment (2025-09-16): 1008<br>Buyer Comment (2025-09-16): D0187 rent free letter<br>Reviewer Comment (2025-09-16): This exception requires an LOX from the home owner verifying relationship and time residing rent free. Also the UW Discretion for approving the current living situation is required.<br>Reviewer Comment (2025-09-12): 1008 does not contain UW discretion in approving loan, it only states that borrower lives rent free with someone other than a spouse.<br>Buyer Comment (2025-09-10): 1008 | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 847256 | xxxxxx | 34478698 | xxxxxx | 09/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for investor concentration (exceeds max o 60%). No ordinance and law coverage was included in building coverage, and Fidelity at $50,000 required is $61,100. | 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 Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Occupancy: Investment<br>Reserves: 14.68<br> Guideline Requirement: 2.00<br>Loan to Value: 60.00000%<br> Guideline Maximum Loan to Value: 70.00000% | xxxxxx<br>xxxxxx<br>xxxxxx,Originator Pre-Close | Reviewer Comment (2025-09-10): Waived with compensating factors per lender exception approval at origination. |  |  | 09/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 847256 | xxxxxx | 34478699 | xxxxxx | 09/11/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | There are red flags on the fraud report that were not addressed. |  |  |  | Reviewer Comment (2025-09-16): cleared with alert summary.<br>Buyer Comment (2025-09-12): fraud summary | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 847256 | xxxxxx | 34478700 | xxxxxx | 09/11/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Loan to Value: 60.00000%<br> Guideline Maximum Loan to Value: 70.00000% | xxxxxx,Originator Pre-Close | Reviewer Comment (2025-09-16): cleared with condo approval.<br>Reviewer Comment (2025-09-16): Waived in error.<br>Reviewer Comment (2025-09-16): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-09-12): exception<br>Buyer Comment (2025-09-12): Condo project approval is reporting Non-Warrantable | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 847259 | xxxxxx | 34478696 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The settlement statement provided is an estimate. Please provide final signed/stamped settlement statement. |  |  |  | Reviewer Comment (2025-09-16): cleared with HUD.<br>Buyer Comment (2025-09-12): Final HUD | 09/16/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| xxxxxx | 847261 | xxxxxx | 34678813 | xxxxxx | 09/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement, Statement | Lease Agreement, Statement are missing in file for property on xxxxxx. |  |  |  | Reviewer Comment (2025-09-26): Note and Appraisal received. Exception cleared<br>Reviewer Comment (2025-09-23): Provide evidence of the PITIA for xxxxxx<br>Buyer Comment (2025-09-19): we have uploaded appraisal for the property xxxxxx, on xxxxxx-please check page 8 of that appraisal<br>Reviewer Comment (2025-09-18): The information needed is not for the subject property. It is for xxxxxx.<br>Buyer Comment (2025-09-16): 1007 on page 8 of appraisal<br>Reviewer Comment (2025-09-12): The 1007 for this REO is not in loan file. Further, the mortgage statement for this REO is also missing.<br>Buyer Comment (2025-09-11): no lease agreement in file <br>used 1007 estimated rents to offset the PITIA | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| xxxxxx | 847261 | xxxxxx | 34678815 | xxxxxx | 09/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing lease agreement and mortgage statement for REO property on xxxxxx |  |  |  | Reviewer Comment (2025-09-26): Note and Appraisal received. Exception cleared<br>Buyer Comment (2025-09-24): please see attached-new note for xxxxxx<br>Buyer Comment (2025-09-24): new note for property-xxxxxx<br>Buyer Comment (2025-09-24): new note for xxxxxx property<br>Reviewer Comment (2025-09-23): Provide proof of the monthly PITIA for this property.<br>Buyer Comment (2025-09-19): we have uploaded appraisal for the property xxxxxx, on xxxxxx-please check page 8 of that appraisal<br>Reviewer Comment (2025-09-18): The information needed is not for the subject property. It is for xxxxxx.<br>Buyer Comment (2025-09-16): the final settlement statement is in the file reflecting the debt has been paid and the first pmt letter reflecting the mortgage payment used for DTI calculation is escrowed - rating we can verify from credit supplement<br>Buyer Comment (2025-09-16): please see the mortgage statement payment matched the payment in credit supplement - and also see UW discretion in 1008 attached<br>Buyer Comment (2025-09-16): mortgage statement is not required, the old loan is paid off with our new mortgage, we are using the payment from First payment letter for the DSCR and rents from 1007 of property-xxxxxx<br>Reviewer Comment (2025-09-12): The referenced 1007 is not in the file. Further, will need evidence this statement belongs to the REO on xxxxxx, as there is no address listed on the document.<br>Buyer Comment (2025-09-10): see mtg st-borrower printed their mortgage status online reflecting the pmt is escrowed<br>Buyer Comment (2025-09-10): no lease agreement in file <br>used 1007 estimated rents to offset the PITIA<br>Buyer Comment (2025-09-10): mortgage st | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| xxxxxx | 847301 | xxxxxx | 34691125 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-10-14): Received Approval. Exception cleared.<br>Buyer Comment (2025-10-13): xxxxxx please see attached. | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A | No |
| xxxxxx | 847301 | xxxxxx | 34691307 | xxxxxx | 10/10/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Provide final title policy. |  |  |  | Reviewer Comment (2025-10-15): Received Final Title Policy. Exception cleared. | 10/15/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A | No |
| xxxxxx | 847301 | xxxxxx | 34691399 | xxxxxx | 10/10/2025 | 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 (2025-10-15): Received Final Title Policy. Exception cleared.<br>Buyer Comment (2025-10-15): xxxxxx please see Final Title Policy attached | 10/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A | No |
| xxxxxx | 847301 | xxxxxx | 34691447 | xxxxxx | 10/10/2025 | 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 (2025-10-14): Full CU report provided reflects score of 1.0.<br>Buyer Comment (2025-10-13): xxxxxx please see xxxxxx CU attached. | 10/14/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A | No |
| xxxxxx | 847317 | xxxxxx | 34661660 | xxxxxx | 10/09/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2025-10-10): E-consent provided<br>Buyer Comment (2025-10-10): Please see e-consent attached. | 10/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 847317 | xxxxxx | 34662156 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  |  |  | Reviewer Comment (2025-10-13): SitusAMC received xxxxxx CD received 3 business days prior to consummation.<br>Buyer Comment (2025-10-10): Please see initial CD. | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 847317 | xxxxxx | 34662157 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Evidence of earlier receipt not provided |  |  |  | Reviewer Comment (2025-10-13): SitusAMC received initial LE.<br>Buyer Comment (2025-10-10): Please see initial LE attached. xxxxxx | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 847317 | xxxxxx | 34664746 | xxxxxx | 10/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  |  | Reviewer Comment (2025-10-13): Gap report provided<br>Buyer Comment (2025-10-10): Please see UDN Report. xxxxxx | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 847319 | xxxxxx | 34747726 | xxxxxx | 09/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Tax Verification |  |  |  |  | Reviewer Comment (2025-10-14): HOA verification associated for co-op, exception cleared<br>Buyer Comment (2025-10-10): see attached<br>Reviewer Comment (2025-10-07): As per Final 1003 other payments are $1,133.25. Insurance amount is $95.67. Please provide supporting document to verify other payments of $1,037.58. Exception remains.<br>Buyer Comment (2025-10-06): see attached | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A B | N/A | N/A | No |
| xxxxxx | 847319 | xxxxxx | 34747727 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) |  |  |  |  | Reviewer Comment (2025-10-07): Received appraisal delivery report dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-10-03): see attached | 10/07/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A B | N/A | N/A | No |
| xxxxxx | 847375 | xxxxxx | 34667568 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xxxxxx disclosed an inaccurate APR of 7.75500% compared to the actual APR at consummation of 7.95589% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Most recent Closing Disclosure received at least 3 days prior to closing dated xxxxxx disclosed an inaccurate APR of 7.75500% compared to the actual APR at consummation of 7.61097% and a revised CD disclosing an accurate APR was not received by borrower at least three business days prior to consummation. Please advise if this CD was sent to the borrower. |  |  |  | Reviewer Comment (2025-10-03): SitusAMC received proof of earlier electronic receipt of xxxxxx CD<br>Buyer Comment (2025-10-02): Revised CD provided on xxxxxx and eSigned on xxxxxx reflecting APR 7.755 (6 days prior to consummation). Revised CD provided on xxxxxx esign event started xxxxxx and eSigned on xxxxxx reflecting APR 8.012 (see xxxxxx eSign Certificate reflecting these dates) which confirms delivery 4 days prior to consummation). The increase in APR was due to FICO exception requiring revised CD to be sent. Revised CD provided on xxxxxx and eSigned xxxxxx reflecting APR 7.989. APR decreased 0.023 and doesn't require additional waiting period but was provided and signed by borrower prior to consummation. All three CD have been provided for your review.<br>Reviewer Comment (2025-09-23): While the xxxxxx CD was issued more than three days prior to closing it was not received by the borrower more than three days prior to closing. The xxxxxx CD was not received until xxxxxx, and closing was xxxxxx xxxxxx is less than three or more days prior to closing. The terms of the loan did change on the xxxxxx CD which shows an increase in the interest rate and thus an increase in the APR. Please provide any documentation indicating earlier receipt of the CD's subsequent to the xxxxxx CD for review if available. 1. Mail delivery. Section 1026.19(f)(1)(iii) provides that, if any disclosures required under § 1026.19(f)(1)(i) are not provided to the consumer in person, the consumer is considered to have received the disclosures three business days after they are delivered or placed in the mail. If the creditor delivers the disclosures required under § 1026.19(f)(1)(i) in person, consummation may occur any time on the third business day following delivery. If the creditor provides the disclosures by mail, the consumer is considered to have received them three business days after they are placed in the mail, for purposes of determining when the three-business-day waiting period required under § 1026.19(f)(1)(ii)(A) begins. The creditor may, alternatively, rely on evidence that the consumer received the disclosures earlier than three business days after mailing. See comment 19(e)(1)(iv)-1 for an example in which the creditor sends disclosures via overnight mail. 2. Other forms of delivery. Creditors that use electronic mail or a courier other than the xxxxxx Postal Service also may follow the approach for disclosures provided by mail described in comment 19(f)(1)(iii)-1.<br>Buyer Comment (2025-09-23): To Whom It May Concern,<br> Following your concerns regarding a potential TRID violation due to APR discrepancies and CD timing, I've reviewed the relevant disclosures and timelines. Based on this review, I respectfully submit the following clarification:<br>APR Disclosure Timeline<br> CD dated xxxxxx disclosed an APR of 8.012%.<br> Actual APR at closing on xxxxxx was 7.988%.<br> The difference of 0.024% is well within the 0.125% tolerance permitted under TRID for fixed-rate loans.<br> Therefore, no new 3-business-day waiting period was required prior to consummation.<br>Post-Consummation CD<br> The CD issued on xxxxxx , reflecting an APR of 7.989%, was a post-consummation correction.<br> TRID permits post-closing corrections as long as:<br> The borrower received a CD with an accurate APR within tolerance before closing.<br> The final CD reflects the correct terms of the transaction.<br> Conclusion<br> The borrower received the xxxxxx CD more than 3 business days prior to closing.<br> The disclosed APR was accurate and within tolerance.<br> The xxxxxx CD was a valid post-consummation correction, not a timing violation.<br> Based on xxxxxx guidance and TRID regulations, no violation occurred.<br>Per 12 CFR § 1026.19(f)(2)(ii), a new 3-day waiting period is only triggered if:<br> The APR becomes inaccurate.<br> The loan product changes.<br> A prepayment penalty is added.<br>None of these occurred in this case.<br>Reviewer Comment (2025-09-12): The last CD that was received 3 or more days prior to close was dated xxxxxx, received on xxxxxx and shows an APR of 7.755%. Final APR was calculated as 7.95589% which is .20089% greater than was disclosed with regulation timelines. This is a timing issue with no visible means of cure.<br>Buyer Comment (2025-09-12): CD on xxxxxx APR = 8.012%. The actual APR on xxxxxx (Closing date) was 7.988%. The difference is 0.024%. This difference is well within the 0.125% tolerance, so no new 3-day waiting period is required.<br>The CD sent on xxxxxx (APR = 7.989%) was after closing, so it's the post-consummation correction. That's okay as long as:<br> The borrower received a CD with an accurate APR within tolerance before closing.<br> The final CD reflects the correct terms.<br>No TRID violation occurred.<br> The APR difference was within tolerance.<br> The borrower received a CD (on xxxxxx) before closing xxxxxx.<br> The CD sent on xxxxxx was after closing, but that's not a timing violation. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| xxxxxx | 847375 | xxxxxx | 34667569 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Closing Disclosure provided on or after xxxxxx contains no loan product and a complete Closing Disclosure was not received by borrower at least three business days prior to consummation. Please advise if this CD was sent to the borrower. |  |  |  | Reviewer Comment (2025-10-03): SitusAMC received proof of earlier electronic receipt of xxxxxx CD<br>Buyer Comment (2025-10-02): xxxxxx for your continued review of loan file xxxxxx. We would like to provide the following clarification regarding the Closing Disclosure (CD) timing and APR accuracy:<br> CD Delivery Timing<br> While the CD was dated xxxxxx , there was concern it may not have been received by the borrower at least three business days prior to the xxxxxx closing. However, xxxxxx delivery certificate confirms that the CD was electronically delivered to the borrower on xxxxxx , satisfying the timing requirement under 12 CFR § 1026.19(f)(1)(iii) for electronic delivery.<br> APR Accuracy<br> • The xxxxxx CD disclosed an APR of 8.012%.<br> • The actual APR at closing on xxxxxx was 7.988%.<br> • The difference of 0.024% is well within the 0.125% tolerance permitted under TRID for fixed-rate loans.<br> • Therefore, no new 3-business-day waiting period was triggered.<br> Post-Consummation CD<br> The CD issued on xxxxxx , reflecting an APR of 7.989%, was a post-consummation correction. TRID permits such corrections provided the borrower received a CD with an accurate APR within tolerance prior to closing, which has been confirmed.<br> Conclusion<br> • The borrower received the xxxxxx CD electronically on the same day it was issued.<br> • The disclosed APR was accurate and within tolerance.<br> • The xxxxxx CD was a valid post-closing correction.<br> • No TRID timing violation occurred.<br> We trust this resolves the exception and appreciate your attention to this matter. Please let us know if any further documentation is needed.<br>Buyer Comment (2025-10-02): xxxxxx CD provided on xxxxxx esign event started xxxxxx and eSigned on xxxxxx reflecting APR 8.012 (see xxxxxx eSign Certificate reflecting these dates) which confirms delivery 4 days prior to consummation). The increase in APR was due to FICO exception requiring revised CD to be sent.<br>Reviewer Comment (2025-09-23): While the xxxxxx CD was issued more than three days prior to closing it was not received by the borrower more than three days prior to closing. The xxxxxx CD was not received until xxxxxx, and closing was xxxxxx xxxxxx is less than three or more days prior to closing. The terms of the loan did change on the xxxxxx CD which shows an increase in the interest rate and thus an increase in the APR. Please provide any documentation indicating earlier receipt of the CD's subsequent to the xxxxxx CD for review if available. 1. Mail delivery. Section 1026.19(f)(1)(iii) provides that, if any disclosures required under § 1026.19(f)(1)(i) are not provided to the consumer in person, the consumer is considered to have received the disclosures three business days after they are delivered or placed in the mail. If the creditor delivers the disclosures required under § 1026.19(f)(1)(i) in person, consummation may occur any time on the third business day following delivery. If the creditor provides the disclosures by mail, the consumer is considered to have received them three business days after they are placed in the mail, for purposes of determining when the three-business-day waiting period required under § 1026.19(f)(1)(ii)(A) begins. The creditor may, alternatively, rely on evidence that the consumer received the disclosures earlier than three business days after mailing. See comment 19(e)(1)(iv)-1 for an example in which the creditor sends disclosures via overnight mail.<br> 2. Other forms of delivery. Creditors that use electronic mail or a courier other than the xxxxxx Postal Service also may follow the approach for disclosures provided by mail described in comment 19(f)(1)(iii)-1.<br>Buyer Comment (2025-09-23): To Whom It May Concern,<br> Following your concerns regarding a potential TRID violation due to APR discrepancies and CD timing, I've reviewed the relevant disclosures and timelines. Based on this review, I respectfully submit the following clarification:<br>APR Disclosure Timeline<br> CD dated xxxxxx disclosed an APR of 8.012%.<br> Actual APR at closing on xxxxxx was 7.988%.<br> The difference of 0.024% is well within the 0.125% tolerance permitted under TRID for fixed-rate loans.<br> Therefore, no new 3-business-day waiting period was required prior to consummation.<br>Post-Consummation CD<br> The CD issued on xxxxxx , reflecting an APR of 7.989%, was a post-consummation correction.<br> TRID permits post-closing corrections as long as:<br> The borrower received a CD with an accurate APR within tolerance before closing.<br> The final CD reflects the correct terms of the transaction.<br> Conclusion<br> The borrower received the xxxxxx CD more than 3 business days prior to closing.<br> The disclosed APR was accurate and within tolerance.<br> The xxxxxx CD was a valid post-consummation correction, not a timing violation.<br> Based on xxxxxx guidance and TRID regulations, no violation occurred.<br>Per 12 CFR § 1026.19(f)(2)(ii), a new 3-day waiting period is only triggered if:<br> The APR becomes inaccurate.<br> The loan product changes.<br> A prepayment penalty is added.<br>None of these occurred in this case.<br>Reviewer Comment (2025-09-12): The last CD that was received 3 or more days prior to close was dated xxxxxx, received on xxxxxx and shows an APR of 7.755%. Final APR was calculated as 7.95589% which is .20089% greater than was disclosed with regulation timelines. This is a timing issue with no visible means of cure.<br>Buyer Comment (2025-09-12): CD on xxxxxx APR = 8.012%. The actual APR on xxxxxx (Closing date) was 7.988%. The difference is 0.024%. This difference is well within the 0.125% tolerance, so no new 3-day waiting period is required.<br>The CD sent on xxxxxx (APR = 7.989%) was after closing, so it's the post-consummation correction. That's okay as long as:<br> The borrower received a CD with an accurate APR within tolerance before closing.<br> The final CD reflects the correct terms.<br>No TRID violation occurred.<br> The APR difference was within tolerance.<br> The borrower received a CD (on xxxxxx) before closing (xxxxxx).<br> The CD sent on xxxxxx was after closing, but that's not a timing violation. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| xxxxxx | 847375 | xxxxxx | 34667571 | xxxxxx | 09/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception for overdrafts exceeding guidelines, significant overdrafts however due to unique account structure (xxxxxx) a large portion (73%) were forgiven. Comp factors: borrower has 6 months reserves, 18 months mtg payment without derogatory, FICO score 743. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 640<br> Representative FICO: 784 | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-09): Client elects to regrade and waive based on the following comps: <br> Guidelines Representative FICO: 640<br> Representative FICO: 784<br> Borrower has 6 months reserves.<br> Overdrafts to exceed > 5 which is considered excessive per program requirements is supported by the borrower's residual income over $30,000, > 5 years SE, a low 23% DTI and credit score |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 847384 | xxxxxx | 34499348 | xxxxxx | 09/09/2025 | 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. |  | The property is tenant occupy and lease agreement was not provided, guidelines states to use the lower of the two: 1007 Market rent comparable or lease rent, we need the lease agreement to make this determination. |  |  |  | Reviewer Comment (2025-09-15): After further review exception cleared<br>Buyer Comment (2025-09-12): Per notes in file, this is a no ratio loan and the lease agreement is not required. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 847384 | xxxxxx | 34499350 | xxxxxx | 09/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for borrower with 2 FICO Scorers & does not meet minimum tradeline requirements. Non-permanent resident with work VISA with compensating factor of 678 FICO | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Guidelines Representative FICO: 620<br> Representative FICO: 678 | xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-09): Client elects to regrade and waive based on the following compensating factors: <br> Guidelines Representative FICO: 620<br> Representative FICO: 678 |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 847384 | xxxxxx | 34499351 | xxxxxx | 09/09/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx |  |  |  |  | Reviewer Comment (2025-09-11): Provided<br>Buyer Comment (2025-09-11): Please see attached | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| xxxxxx | 847389 | xxxxxx | 34414195 | xxxxxx | 09/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception in file for FICO 670 and Guidelines require 680 for partial gift funds on a Business Purpose DSCR. The loan most meet all other program requirement, exception may be subject to pricing adjustments and any changes to loan characteristics, comp factors are LTV 70%, 54 months of mortgage history no derogatory. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's Experience/Track Record | Borrower's Own Funds Percent: 38.58%<br> Borrower's Own Funds Amount: $245,003.71<br>Experienced investor owns and manages 1 or more properties for 12 months | xxxxxx<br>xxxxxx | Reviewer Comment (2025-09-09): Client elects to regrade and waive<br> Low LTV 70%, Max is 75%, 54 months of mtg history |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No |
| xxxxxx | 847393 | xxxxxx | 34499345 | xxxxxx | 09/03/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $43,515.28 is less than Cash From Borrower $72,059.27. | Loan application lists cash value of $77,928.28 for xxxxxx and most recent statement provided reflects balance of $40,515.28. |  |  |  | Reviewer Comment (2025-09-15): Cleared with additional assets provided<br>Buyer Comment (2025-09-12): Kindly find the attached. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 847393 | xxxxxx | 34499347 | xxxxxx | 09/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Security Inst. in file lists a prepayment rider and prepayment rider is in file partially filled out and signed by borrower. |  |  |  | Reviewer Comment (2025-09-10): Lender confirmed no prepayment penalty<br>Buyer Comment (2025-09-09): The lock confirmation shows this file did not have a prepayment penalty and I had asked escrow to remove it from the package | 09/10/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No |
| xxxxxx | 847400 | xxxxxx | 34477496 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-09-26): Received AUS. Exception cleared.<br>Buyer Comment (2025-09-25): Uploaded AUS<br>Reviewer Comment (2025-09-23): Condition cannot be cleared. The investor instructed to use their Expanded Criteria guidelines which is reviewed to an AUS with their overlays applied.<br>Buyer Comment (2025-09-22): This is a non-QM loan - manual underwrite (not AUS) - please clear. | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847400 | xxxxxx | 34477612 | xxxxxx | 09/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Taxes, Insurance and HOA are not escrowed as per final CD xxxxxx |  |  |  | Reviewer Comment (2025-09-26): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-09-25): LOE to borrower has now been uploaded<br>Reviewer Comment (2025-09-24): SitusAMC Received Corrected PCCD; however, LOE to borrower not received. Please provide LOE to borrower.<br>Buyer Comment (2025-09-23): copy of final CD uploaded with highlighted section showing it marked as non-escrowed loan. This was consistently marked from initial LE through PCCD, non-escrowed. |  | 09/26/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 847400 | xxxxxx | 34477613 | xxxxxx | 09/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Taxes, Insurance and HOA are not escrowed as per final CD xxxxxx |  |  |  | Reviewer Comment (2025-09-26): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-09-25): LOE to borrower has now been uploaded<br>Reviewer Comment (2025-09-24): SitusAMC Received Corrected PCCD; however, LOE to borrower not received. Please provide LOE to borrower.<br>Buyer Comment (2025-09-23): copy of final CD uploaded with highlighted section showing it marked as non-escrowed loan. This was consistently marked as non- escrow from initial LE through PCCD, non-escrowed. |  | 09/26/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 847400 | xxxxxx | 34477616 | xxxxxx | 09/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) | Cure nor valid COC provided |  |  |  | Reviewer Comment (2025-09-26): SitusAMC received corrected PCCD and LOE with correct fee name.<br>Buyer Comment (2025-09-25): LOE to borrower has now been uploaded<br>Reviewer Comment (2025-09-24): Situsamc Received Corrected PCCD and Email Communication; however, LOE to borrower not received. Provide LOE to borrower.<br>Buyer Comment (2025-09-23): Please see attached PCCD and Email from title confirming the survey was required as a title fee to issue the xxxxxx | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 847400 | xxxxxx | 34496166 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per guidelines, borrower must have a history of 2 years commission income in order to qualify. Previous TWN's do not reflect commission income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The 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. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-01): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-01): 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 - Employed in same profession > 5 years<br>Reviewer Comment (2025-09-29): Received LOX on the survey fee. However the document requested was for commission income. The base salary of $131K is for the borrower's current job which they have been on < 2 years. Therefore, it cannot support a 2 year commission wage from the current job as they have not been there 2 years (1.34 years). The previous job's TWN's do not reflect the borrower received commission income. Therefore, the borrower has < 2 year history of commission income. Exception remains.<br>Buyer Comment (2025-09-26): xxxxxx, they attached the wrong doc to the condition and I didn't catch it. Please see attached income calc worksheet.<br>Reviewer Comment (2025-09-26): Received AUS, that does not clear this condition. Please provide the documentation as requested on the comments dated xxxxxx . Exception remains.<br>Buyer Comment (2025-09-25): Please see attached AUS.<br>Reviewer Comment (2025-09-24): The base salary of $131K is for the borrower's current job which they have been on < 2 years. Therefore, it cannot support a 2 year commission wage from the current job as they have not been there 2 years (1.34 years). The previous job's TWN's do not reflect the borrower received commission income. Therefore, the borrower has < 2 year history of commission income.<br>Buyer Comment (2025-09-23): Attaching Attaching the income calc worksheet utilizing both the current paystub and the WVOE. The WVOE supports a salary of $131,000 annually, used the YTD average on the paystub for base. Since the WVOE did not break out commission we backed the base salary from the total earnings to support the commission figures for 2 years. |  |  | 10/01/2025 | 2 | C B | C B D | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847446 | xxxxxx | 34585877 | xxxxxx | 10/02/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $655.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-09-26): Sufficient Cure Provided At Closing |  | 09/26/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 847446 | xxxxxx | 34605940 | xxxxxx | 10/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $479,686.97 is over disclosed by $205.00 compared to the calculated Amount Financed of $479,481.97 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $479,686.97 is over disclosed by $205.00 compared to the calculated Amount Financed of $479,481.97 |  |  |  | Reviewer Comment (2025-10-08): SitusAMC received LOA in regard to AMC Fee.<br>Buyer Comment (2025-10-07): Please see attached invoice for statement of what the management fee encompasses.<br>Reviewer Comment (2025-10-06): The AMC portion of the appraisal fee. could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge. Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges.<br>Buyer Comment (2025-10-03): Please see Post Closing CD that was issued on xxxxxx  | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 847446 | xxxxxx | 34605941 | xxxxxx | 10/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $728,581.11 is under disclosed by $205.00 compared to the calculated Finance Charge of $728,786.11 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $728,581.11 is under disclosed by $205.00 compared to the calculated Finance Charge of $728,786.11. |  |  |  | Reviewer Comment (2025-10-08): SitusAMC received LOA in regard to AMC Fee.<br>Buyer Comment (2025-10-07): Please see invoice uploaded for other condition to detail what the management fee encompasses. Please advise if something further is needed.<br>Reviewer Comment (2025-10-06): The AMC portion of the appraisal fee. could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge. Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges.<br>Buyer Comment (2025-10-03): Please see Post Closing CD that was issued on xxxxxx  | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 847446 | xxxxxx | 34606476 | xxxxxx | 10/02/2025 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date xxxxxx , Note Date xxxxxx | The Flood Insurance policy effective date is after the note date. Dry and Wet States require coverage to be in effect at closing. |  |  |  | Reviewer Comment (2025-10-03): The loan did not close until xxxxxx when the Notary signed. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847446 | xxxxxx | 34606503 | xxxxxx | 10/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Please provide receipt of funds for the $150,000 secured loan. Both the Note and Mortgage for the secured funds are not executed. |  |  |  | Reviewer Comment (2025-10-06): Received Wire confirmation and Deposit Receipt for the secured funds. Exception cleared.<br>Buyer Comment (2025-10-03): Proceeds received were slightly less than anticipated but borrower still had sufficient funds to cover reserves and cash to close. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847554 | xxxxxx | 34643530 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-08): Client elects to waive |  |  | 10/08/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 847554 | xxxxxx | 34643599 | xxxxxx | 10/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br> • Any new tradeline with a balance must be included in determining the DTI ratio. |  |  |  | Reviewer Comment (2025-10-15): Received UDM report dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-10-14): See UDN | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 847584 | xxxxxx | 34512195 | xxxxxx | 09/24/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Current/active license or certification for the preparer | Provide xxxxxx certification from xxxxxx (e.g., screenshot of xxxxxx web site) to verify license status of CPA preparer. |  |  |  | Reviewer Comment (2025-09-29): Received xxxxxx search to verify license status of CPA preparer. Exception cleared.<br>Buyer Comment (2025-09-26): Please see attached license status of CPA. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 847584 | xxxxxx | 34512291 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR Risk. Provide xxxxxx certification from xxxxxx (e.g., screenshot of xxxxxx web site) to verify license status of CPA preparer. |  |  |  | Reviewer Comment (2025-09-29): Received xxxxxx search to verify license status of preparer.<br>Buyer Comment (2025-09-26): Please see attached license status of CPA. | 09/29/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxxxxx | 847584 | xxxxxx | 34512292 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Risk. Provide xxxxxx certification from xxxxxx (e.g., screenshot of xxxxxx web site) to verify license status of CPA preparer. |  |  |  | Reviewer Comment (2025-09-29): Received xxxxxx search to verify license status of preparer.<br>Buyer Comment (2025-09-26): Please see attached license status of CPA. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 847584 | xxxxxx | 34528089 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $0.00. $950.00 over legal limit. Insufficient or no cure was provided to the borrower. (7507) | Additional information is required to determine if COC is valid. Just says second appraisal needed due to property type. Property type is a SFD. |  |  |  | Reviewer Comment (2025-10-16): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-10-15): FedEx tracking - cure check to be delivered xxxxxx <br>Reviewer Comment (2025-10-13): SitusAMC received cure documents. But FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2025-10-10): Copy of Cure check, pccd, letter to borr and fedex label<br>Reviewer Comment (2025-10-09): SitusAMC received updated COC indicates that property flip transaction. increases in value should be document with recent comparable sale". However, we also required supporting documentation of timeline for when the property was changed to flip transaction and to provide information supporting lender's knowledge of when they became aware of the fee or Cure is due to borrower.<br>Buyer Comment (2025-10-08): Please see attached.<br>Reviewer Comment (2025-10-03): SitusAMC received updated COC dated xxxxxx . However, SitusAMC also required documentation of the reason for the 2nd appraisal required. What information was received that required added the fee and when was that information received or Cure would be due to borrower.<br>Buyer Comment (2025-10-01): Please see attached COC which should be the correct one.<br>Reviewer Comment (2025-09-30): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-26): Please see attached COC with correct explanation. |  | 10/16/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 847759 | xxxxxx | 34643173 | xxxxxx | 10/09/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Administration Fee, Courier / Express Mail / Messenger Fee |  |  |  |  | Reviewer Comment (2025-10-08): Client elects to waive |  |  | 10/08/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| xxxxxx | 847759 | xxxxxx | 34643219 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided. |  |  |  | Reviewer Comment (2025-10-14): SitusAMC received CD dated xxxxxx <br>Buyer Comment (2025-10-13): See CD and proof of signature. | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 847759 | xxxxxx | 34643239 | xxxxxx | 10/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception: Allow for 1 year full documentation for Non-Permanent Resident. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Residual income 2x the amount required by guidelines | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-08): Client elects to waive with verified compensation factors |  |  | 10/08/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 847759 | xxxxxx | 34674210 | xxxxxx | 10/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Credit report in file is > 30 days old (33 days old). |  |  |  | Reviewer Comment (2025-10-14): Received Credit Refresh Report dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-10-13): Gap report ordered xxxxxx  | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 847809 | xxxxxx | 34662761 | xxxxxx | 10/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Course Transcripts | Co-Borrower: If a borrower has less than two years' experience in their line of work, training or education in the same field is considered an acceptable substitute. Evidence of this was not provided. |  |  |  | Reviewer Comment (2025-10-22): Verification of school enrollment provided. Still enrolled as of xxxxxx 22. through current.<br>Seller Comment (2025-10-21): Please see attached<br>Reviewer Comment (2025-10-16): An LOE from the borrower is not acceptable. The school transcripts will need to be provided.<br>Seller Comment (2025-10-14): See LOX from bwr stating she is still in xxxxxx<br>Reviewer Comment (2025-10-09): LinkedIn is not acceptable as the information provided is a self populated / borrower created page.<br>Seller Comment (2025-10-09): Borrower has been a student since xxxxxx in the xxxxxx profession See LinkedIN | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 847825 | xxxxxx | 34667576 | xxxxxx | 09/11/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Missing xxxxxx mortgage loan statement verifying $497.00 payment for retained departure residence that includes escrow for homeowner's insurance and property taxes. |  |  |  | Reviewer Comment (2025-10-03): confirmed HELOC, exception cleared.<br>Buyer Comment (2025-10-03): The xxxxxx mortgage was a HELOC and was not impounded for taxes and insurance. It is unclear what this exception is asking for. Please clarify. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 847825 | xxxxxx | 34667577 | xxxxxx | 09/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxxxx dwelling coverage is less than 80% of xxxxxx Estimated Cost New per appraisal report. Hazard Insurance shortfall xxxxxx |  |  |  | Reviewer Comment (2025-09-15): Coverage meets loan amt.<br>Buyer Comment (2025-09-15): Hazard insurance coverage is sufficient. Policy has dwelling coverage of xxxxxx, which is more than our loan amount of xxxxxx. Per xxxxxx guidelines, Hazard insurance coverage should be in the amount of the lesser of: 100% of the insurable value of improvements, as established by the property insurer (Replacement Cost Estimator), Loan amount, 100% Guaranteed cost replacement or cost approach from the Appraisal (verbiage combined with property insurance listed from xxxxxx guidelines). | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 847825 | xxxxxx | 34667578 | xxxxxx | 09/11/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing xxxxxx statement end month xxxxxx . 11 months bank statements provided are less than 12 statements required. |  |  |  | Reviewer Comment (2025-09-19): Bank statements provided, exception cleared.<br>Buyer Comment (2025-09-19): Kindly find the attached 12 months bank statement | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 847825 | xxxxxx | 34667579 | xxxxxx | 09/11/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Business | Missing xxxxxx statement end month xxxxxx . 11 months bank statements provided are less than 12 statements required. |  |  |  | Reviewer Comment (2025-09-19): Bank statements provided, exception cleared.<br>Buyer Comment (2025-09-19): Kindly find the attached 12 months bank statement | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 847825 | xxxxxx | 34667580 | xxxxxx | 09/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Missing xxxxxx statement end month xxxxxx . 11 months bank statements provided are less than 12 statements required. |  |  |  | Reviewer Comment (2025-09-19): Bank statements provided, exception cleared.<br>Buyer Comment (2025-09-19): Kindly find the attached 12 months bank statement | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 847825 | xxxxxx | 34667581 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to 11- months bank statements provided are less than 12 statements required to support income, resulting in loan designation discrepancy. |  |  |  | Reviewer Comment (2025-09-19): Bank statements provided, exception cleared. | 09/19/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxxxxx | 847825 | xxxxxx | 34667582 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall finding due to 11- months bank statements provided are less than 12 statements required to support income, resulting in loan designation discrepancy. |  |  |  | Reviewer Comment (2025-09-19): Bank statements provided, exception cleared.<br>Buyer Comment (2025-09-19): Kindly find the attached 12 months bank statement | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 847825 | xxxxxx | 34667583 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to 11- months bank statements provided are less than 12 statements required to support income. |  |  |  | Reviewer Comment (2025-09-19): Missing Bank statements provided. exception cleared.<br>Buyer Comment (2025-09-19): Kindly find the attached 12 months bank statement | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 847845 | xxxxxx | 34701993 | xxxxxx | 10/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Per the 1008, the lender utilized a tax rate of 1.562033% to calculate taxes, however no evidence of this is in file. |  |  |  | Reviewer Comment (2025-10-19): Received Tax Certificate reflecting the Tax Rate. Exception cleared.<br>Buyer Comment (2025-10-16): Please see attached. :) | 10/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847893 | xxxxxx | 34603349 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence the property is free and clear. |  |  |  | Reviewer Comment (2025-10-08): Received Property History Report to verify property is vacant land and free and clear. Exception cleared.<br>Seller Comment (2025-10-07): Please see the attached Profile<br>Seller Comment (2025-10-07): Please see the attached LOE | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847893 | xxxxxx | 34627147 | xxxxxx | 10/03/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investor exception in file for Rural property | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-02): Client elects to waive with verified compensation factors |  |  | 10/02/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847915 | xxxxxx | 34717373 | xxxxxx | 10/16/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-10-24): Received Final Title Policy. Exception cleared. | 10/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847915 | xxxxxx | 34717392 | xxxxxx | 10/16/2025 | 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 (2025-10-24): Received Final Title Policy. Exception cleared.<br>Buyer Comment (2025-10-24): See attached title policy | 10/24/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847915 | xxxxxx | 34717427 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $4,749,107.98 is under disclosed by $173.00 compared to the calculated total of payments of $4,749,280.98 which exceeds the $100.00 threshold. (Final xxxxxx) | The disclosed Total of Payments in the amount of $4,749,107.98 is under disclosed by $173.00 compared to the calculated total of payments of $4,749,280.98 |  |  |  | Reviewer Comment (2025-10-27): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-10-24): See attached check, LOE, PCCD and proof of delivery |  | 10/27/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 847915 | xxxxxx | 34717428 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. (75104) | Cure nor valid COC provided |  |  |  | Reviewer Comment (2025-10-22): SitusAMC received a valid COC.<br>Buyer Comment (2025-10-20): See attached COC | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 847915 | xxxxxx | 34740306 | xxxxxx | 10/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor exception in file. Buying from landlord. Buyer not able to show proof of rental payments from July, Aug and Sept 2025. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit score 30+ points > minimum required | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-16): Client elects to waive with verified compensation factors |  |  | 10/16/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847915 | xxxxxx | 34740313 | xxxxxx | 10/16/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal does not reflect Non-Arm's length transaction. Borrower buying property from Landlord. |  |  |  | Reviewer Comment (2025-10-23): Color copy received. Exception cleared.<br>Buyer Comment (2025-10-22): Appraisal is in color. Reuploaded.<br>Reviewer Comment (2025-10-22): The updated appraisal provided is not in color which is a guidelines requirement. Provide the updated color appraisal.<br>Buyer Comment (2025-10-21): See attached updated appraisal | 10/23/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847976 | xxxxxx | 34600998 | xxxxxx | 10/03/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-10-08): FTP provided | 10/08/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847976 | xxxxxx | 34601000 | xxxxxx | 10/03/2025 | 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 (2025-10-08): FTP provided<br>Buyer Comment (2025-10-07): See attached title | 10/08/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847976 | xxxxxx | 34601003 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide Mortgage Statement for property on xxxxxx. If taxes & Insurance are not escrowed than provide evidence of taxes and insurance document. |  |  |  | Reviewer Comment (2025-10-08): Mortgage statement provided with T&I escrowed<br>Buyer Comment (2025-10-07): See attached mtg stmt | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847976 | xxxxxx | 34601030 | xxxxxx | 10/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  |  | Reviewer Comment (2025-10-08): Received Credit Report dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-10-07): See attached gap report | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847976 | xxxxxx | 34624810 | xxxxxx | 10/03/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The Gift Letter provided reflects typo error for subject property address. The address reflects xxxxxx; however, the subject address is xxxxxx. Provide updated Gift letter with correct subject property address as per Note. |  |  |  | Reviewer Comment (2025-10-08): Received updated Gift Letter with correct subject property address as per Note. Exception cleared.<br>Buyer Comment (2025-10-07): See attached gift letter | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847985 | xxxxxx | 34478848 | xxxxxx | 09/19/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the correct housing history on the 1003. Borrower was an owner and obligated to the mortgage lien on the current primary residence on xxxxxx up until deed transfer on xxxxxx in which borrower was living rent free. No primary housing should be listed 3 months and previous as owned since xxxxxx to xxxxxx . |  |  |  | Reviewer Comment (2025-09-23): Updated 1003 provided<br>Seller Comment (2025-09-22): Here you are. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847985 | xxxxxx | 34478854 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | As per section 3a. the property will be granted to ex-husband and the Divorce Decree is missing in the file. Provide a copy of fully executed Divorce Decree. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The 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. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-23): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-22): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines<br>Reviewer Comment (2025-10-09): The full divorce decree is required to verify that borrower does not have any other obligations, and also required to verify that the property was awarded to ex-spouse. Exception remains.<br>Seller Comment (2025-10-07): As indicated in the property profile on page 142 of the closed package and the grant deed uploaded on xxxxxx , the borrower is no longer the current owner of the property, which means the borrower has no financial obligation for taxes and insurance associated with this property. Therefore, the 1003 provided on page 6 reflects only the mortgage payment. I've also attached the property profile and the 1003 for your reference. Please take this consideration and clear the condition.<br>Also, can you please clarify which document you are referring to regarding the section 3a. in the original condition?<br>Reviewer Comment (2025-10-02): Condition cannot be waived. The full divorce decree is required to verify no additional debts / obligations and complete final judgment of awarded property.<br>Seller Comment (2025-10-01): The transfer of the property is already reflected in the Quitclaim Deed, which has also been notarized. Therefore, we request that this condition be waived.<br>Reviewer Comment (2025-09-24): Received deed and filing of judgement was provided. However provide the final judgement reflecting the property was granted to ex-husband. Exception remains.<br>Seller Comment (2025-09-22): Here you are. |  |  | 10/23/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847985 | xxxxxx | 34478903 | xxxxxx | 09/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  |  |  | Reviewer Comment (2025-09-23): SitusAMC received e-consent dated xxxxxx <br>Seller Comment (2025-09-22): Here you are. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847985 | xxxxxx | 34502901 | xxxxxx | 09/19/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-09-23): Signed 1003 provided<br>Seller Comment (2025-09-22): Here you are. | 09/23/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 847985 | xxxxxx | 34502914 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Initial 1003 is not signed nor dated by the LO. No other evidence of application date in file. |  |  |  | Reviewer Comment (2025-09-23): Signed 1003 provided | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848052 | xxxxxx | 34717480 | xxxxxx | 10/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Business Purpose Certificate |  |  |  | Reviewer Comment (2025-10-22): Received Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-10-20): Please see attached Business Purpose Cert. | 10/22/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 848052 | xxxxxx | 34717490 | xxxxxx | 10/15/2025 | 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 (2025-10-23): Email to title with updates requested provided<br>Buyer Comment (2025-10-22): Please see attached Title Correspondence regarding policy request.<br>Reviewer Comment (2025-10-21): The incorrect and correct title polices are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title on updates).<br>Buyer Comment (2025-10-20): Please see attached Title Policy. | 10/23/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 848052 | xxxxxx | 34717492 | xxxxxx | 10/15/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Provide Master Policy and/or HO6 policy for the property at "xxxxxx" to verify the Insurance premium or walls in coverage if in blanket. |  |  |  | Reviewer Comment (2025-10-23): Received HOI policy. Exception cleared.<br>Buyer Comment (2025-10-21): Please see attached xxxxxx EOI and HOA Master.<br>Reviewer Comment (2025-10-20): Received Mortgage Statement, Property History Report, and HOA statement. Taxes and Insurance are not escrowed. However the file is missing HOI policy. Provide Master Policy if it has walls in coverage or HO6 policy. Exception remains.<br>Buyer Comment (2025-10-17): Please see all documentation for the xxxxxx property which should have been in the file, please help clear. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 848052 | xxxxxx | 34717496 | xxxxxx | 10/15/2025 | 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. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2025-10-15): Client elects to waive |  |  | 10/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 848052 | xxxxxx | 34732472 | xxxxxx | 10/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file: Per guidelines, the minimum square footage of the subject property must be 500, however, the subject property is xxxxxx square feet. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The 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. | Credit Score 30+ points > minimum required | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-15): Client elects to waive with verified compensation factors |  |  | 10/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 848052 | xxxxxx | 34732727 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Initial 1003 for xxxxxx, dec page, reflects intent to occupy. |  |  |  | Reviewer Comment (2025-10-15): Client elects to waive |  |  | 10/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 848124 | xxxxxx | 34704875 | xxxxxx | 10/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  |  | Reviewer Comment (2025-10-22): Received Credit Refresh Report dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-10-20): gap report | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848124 | xxxxxx | 34705224 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-14): Client elects to waive |  |  | 10/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848124 | xxxxxx | 34705227 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $488.50 exceeds tolerance of $334.00 plus 10% or $367.40. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing |  | 10/10/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 848124 | xxxxxx | 34705236 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  |  |  | Reviewer Comment (2025-10-22): SitusAMC received initial CD.<br>Buyer Comment (2025-10-20): INTIAL CD UPLOADED | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848124 | xxxxxx | 34722998 | xxxxxx | 10/14/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Investor exception in file for NSF's. Borrower has 5 occurrences in the most recent 3 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Residual income 2.5x the amount required by guidelines | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-14): Client elects to waive with verified compensation factors |  |  | 10/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848124 | xxxxxx | 34723015 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the borrower only (or affidavit of death). |  |  |  | Reviewer Comment (2025-10-24): Received Affidavit (Lack of Probate) transferring property to borrower. Exception cleared.<br>Buyer Comment (2025-10-22): Please see attached Death Certificate and Affidavit.<br>Reviewer Comment (2025-10-22): Received Certificate of Death. However, the file is missing Affidavit of death transferring the property to the borrower only. Exception remains.<br>Buyer Comment (2025-10-20): Death Certificate | 10/24/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848140 | xxxxxx | 34592354 | xxxxxx | 10/02/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $184.50 exceeds tolerance of $94.00 plus 10% or $103.40. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  |  |  | Reviewer Comment (2025-09-29): Sufficient Cure Provided At Closing |  | 09/29/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 848140 | xxxxxx | 34592818 | xxxxxx | 10/02/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide mortgage statement for the REO property xxxxxx to verify if the taxes and insurance are escrowed. If taxes and insurance are not escrowed then provide taxes and insurance document separately. |  |  |  | Reviewer Comment (2025-10-10): Received taxes and insurance separately. Exception cleared.<br>Buyer Comment (2025-10-08): xxxxxx Lender response: tax bill, HOI premium, proof no HOA dues, and updated income/dti worksheet attached for your review. xxxxxx | 10/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848163 | xxxxxx | 34717476 | xxxxxx | 10/15/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-10-20): Received Final Title Policy. Exception cleared. | 10/20/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No |
| xxxxxx | 848163 | xxxxxx | 34717477 | xxxxxx | 10/15/2025 | 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 (2025-10-20): Received Final Title Policy. Exception cleared.<br>Buyer Comment (2025-10-17): Please see attached final title policy. | 10/20/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No |
| xxxxxx | 848179 | xxxxxx | 34632545 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | Provided final CD does not reflect seller paid fees also seller CD is not provided. |  |  |  | Reviewer Comment (2025-10-13): SitusAMC received seller CD.<br>Buyer Comment (2025-10-10): Please see attached. | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| xxxxxx | 848242 | xxxxxx | 34496477 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided |  |  |  | Reviewer Comment (2025-09-25): SitusAMC received disclosure summary<br>Buyer Comment (2025-09-24): see attached | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848273 | xxxxxx | 34755667 | xxxxxx | 10/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Shortfall of xxxxxx. Provide the RCE. |  |  |  | Reviewer Comment (2025-10-30): Received RCE. Exception cleared.<br>Buyer Comment (2025-10-28): See attached RCE | 10/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 848273 | xxxxxx | 34755705 | xxxxxx | 10/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  |  | Reviewer Comment (2025-10-28): Received Credit Report - Gap. Exception cleared.<br>Buyer Comment (2025-10-27): Credit refresh | 10/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 848273 | xxxxxx | 34776945 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Certificate of Good Standing not provided for the Borrowing Entity |  |  |  | Reviewer Comment (2025-10-30): Received Certificate of Good Standing. Exception cleared.<br>Buyer Comment (2025-10-28): Corrected COGS uploaded<br>Reviewer Comment (2025-10-28): Received Certificate of Good Standing not provided for the Borrowing Entity. Exception remains.<br>Buyer Comment (2025-10-27): Certificate of good standing | 10/30/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 848273 | xxxxxx | 34777526 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | Source of large deposit into the borrower's personal account xxxxxx-1000 was not sourced for $89,460.00 on xxxxxx Needed for cash to close and reserves (wire out of $202,000 from this account). |  |  |  | Reviewer Comment (2025-10-29): Received documents to verify source of fund. Exception cleared.<br>Buyer Comment (2025-10-27): Large deposit source | 10/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 848273 | xxxxxx | 34777604 | xxxxxx | 10/22/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Initial 1003 for xxxxxx, dec page, reflects intent to occupy. |  |  |  | Reviewer Comment (2025-10-22): Client elect to waive |  |  | 10/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B A | N/A | N/A | No |
| xxxxxx | 848305 | xxxxxx | 34508640 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.82861% or Final Disclosure APR of 8.90200% is equal to or greater than the threshold of APOR 6.57% + 1.5%, or 8.07000%. Non-Compliant Higher Priced Mortgage Loan. | Delivery of appraisal in file is dated xxxxxx with no evidence of borrower receipt. 3 day mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-10-10): LOE from borrower on delivery date with docusign provided<br>Buyer Comment (2025-10-10): esign confirmation<br>Reviewer Comment (2025-10-07): Received LOE on delivery confirmation electronically signed. Provide the docusign to support borrower signed LOE.<br>Buyer Comment (2025-10-07): Please see attached.<br>Reviewer Comment (2025-09-30): It was not indicated the closing date was xxxxxx The closing date is xxxxxx Delivery of appraisal in file is dated xxxxxx with no evidence of borrower receipt. 3 day mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. The delivery provided in trailing documents is xxxxxx An appraisal cannot be delivered prior to its completion.<br>Buyer Comment (2025-09-30): COE xxxxxx not xxxxxx | 10/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 848305 | xxxxxx | 34508643 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Delivery of appraisal in file is dated xxxxxx with no evidence of borrower receipt. 3 day mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-10-10): LOE from borrower on delivery date with docusign provided<br>Buyer Comment (2025-10-10): esign confirmation<br>Reviewer Comment (2025-10-07): Received LOE on delivery confirmation electronically signed. Provide the docusign to support borrower signed LOE.<br>Buyer Comment (2025-10-07): Please see attached.<br>Reviewer Comment (2025-09-30): It was not indicated the closing date was xxxxxx The closing date is xxxxxx Delivery of appraisal in file is dated xxxxxx with no evidence of borrower receipt. 3 day mailbox rule applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. The delivery provided in trailing documents is xxxxxx An appraisal cannot be delivered prior to its completion.<br>Buyer Comment (2025-09-30): COE xxxxxx not xxxxxx | 10/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 848305 | xxxxxx | 34508644 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-09-22): Client elects to waive |  |  | 09/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 848305 | xxxxxx | 34508651 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $615.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided At Closing |  | 09/19/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxxxx | 848307 | xxxxxx | 34512131 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  |  |  | Reviewer Comment (2025-10-06): Received updated Fraud Report. Exception cleared.<br>Buyer Comment (2025-10-03): Please see attached.<br>Reviewer Comment (2025-10-01): Received updated Fraud report reflects SAM.gov matches for seller. Provide GSA search from SAM.gov for seller, xxxxxx. Also, there are red flags that are not addressed. Exception remains.<br>Buyer Comment (2025-09-30): Updated Fraud w xxxxxx | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 848307 | xxxxxx | 34519799 | xxxxxx | 09/22/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. | Per appraiser, transaction is Non-Arms. Max 80% LTV. |  |  |  | Reviewer Comment (2025-10-15): Updated appraisal provided with addendum with what the appraiser believes to be a non-arms and arms length transaction. LOE received from borrower on no relationship to property seller, xxxxxx involved in transaction with standard purchase contract. Does not meet guidelines definition of non-arms. Appraiser will not update page 1 but noted their definitions on the addendum. LTV max 90% for arm's length.<br>Buyer Comment (2025-10-15): Please see attached appraisal and addendum. Appraiser states that he is defining a non arm's length transaction based on the property not being listed and that unless there is proof the property was listed the report won't be updated. Per guides this is not how a non arm's length transaction should be defined. Also have the previously provided letter from borrower stating no relationship to seller. Please reconsider this as a non arm's length transaction and 90% LTV acceptable.<br>Reviewer Comment (2025-10-14): The LOE is not acceptable. The appraiser notes on page 1 the transaction is Non-Arms. The appraisal needs to be updated.<br>Buyer Comment (2025-10-14): Please see attached.<br>Reviewer Comment (2025-10-10): An LOE from the borrower is not sufficient. If not a Non-Arms the appraisal needs to be updated.<br>Buyer Comment (2025-10-10): Please see attached. | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 848308 | xxxxxx | 34473278 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: xxxxxx Occupancy: Second Home; Declarations/Will borrower occupy: Yes | Subject transaction is Purchase of Second Home Property. However on Declaration (Section 5 A) "Will you occupy the property as your primary residence?" is checked as Yes. Kindly provide corrected 1003. |  |  |  | Reviewer Comment (2025-10-06): Updated 1003 provided<br>Buyer Comment (2025-10-03): Please see attached. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848308 | xxxxxx | 34496896 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $346.00 exceeds tolerance of $291.00 plus 10% or $320.10. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided At Closing |  | 09/18/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxxxx | 848308 | xxxxxx | 34514530 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing documentation to confirm taxes used by lender to qualify. |  |  |  | Reviewer Comment (2025-10-06): Tax cert and tax assessment provided. Utilized tax assessment vs. lender's lower calculation.<br>Buyer Comment (2025-10-03): Updated 1008 w recal RE Taxes & UW cert for property taxes | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848308 | xxxxxx | 34520481 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | Initial and final 1003, dec page, reflects intent to occupy. |  |  |  | Reviewer Comment (2025-09-22): Client elects to waive |  |  | 09/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848308 | xxxxxx | 34520491 | xxxxxx | 09/22/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  |  |  | Reviewer Comment (2025-10-08): Updated HOI provided<br>Buyer Comment (2025-10-08): Please see attached. | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848309 | xxxxxx | 34532042 | xxxxxx | 09/28/2025 | 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 (2025-10-01): Supplement provided<br>Buyer Comment (2025-09-30): Please see attached. | 10/01/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848309 | xxxxxx | 34532109 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,020.50 exceeds tolerance of $743.00 plus 10% or $817.30. $203.20 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Lender Cure of $218.05 is reflecting on Final CD, however due to multiple violations, this will be addressed once all other violations are addressed. |  |  |  | Reviewer Comment (2025-10-07): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 848309 | xxxxxx | 34532110 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,379.20 exceeds tolerance of $0.00. $3,379.20 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fees on the Loan Estimate dated xxxxxx was $0.00; however, the Final Closing Disclosure reflects xxxxxx without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-10-07): SitusAMC received COC dated xxxxxx .<br>Buyer Comment (2025-10-03): The borrower requested the lender fee buyout in exchange for discount points to clear our compliance report.<br>Reviewer Comment (2025-10-02): SitusAMC received updated CD and corresponding COC dated xxxxxx . but it does not give sufficient information on why the discount point fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-30): Please see attached. | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 848309 | xxxxxx | 34659191 | xxxxxx | 10/07/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,020.50 exceeds tolerance of $743.00 plus 10% or $817.30. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 848335 | xxxxxx | 34585650 | xxxxxx | 10/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $710.00 exceeds tolerance of $670.00. $40.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee was disclosed as $670.00 on Initial Loan Estimate and was later disclosed on revised LE as xxxxxx. No COC or Cure was provided in file for this change. |  |  |  | Reviewer Comment (2025-10-10): SitusAMC Received Valid COC dated xxxxxx along with supporting LOE.<br>Seller Comment (2025-10-09): Please see attached additional information and supporting documentation - xxxxxx<br>Reviewer Comment (2025-10-08): SitusAMC received COC dated xxxxxx stating rush fee added; however, we would require additional Information why rush was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-10-07): Please see attached LE and COC dated xxxxxx regarding Rush fee for Appraisal - sales contract expired on xxxxxx - Orig fee 680.00 Updated to bwr on xxxxxx to 710.00 | 10/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 848335 | xxxxxx | 34585673 | xxxxxx | 10/01/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2025-10-07): E-Consent provided<br>Seller Comment (2025-10-07): Please see attached | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848335 | xxxxxx | 34601974 | xxxxxx | 10/01/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-09-30): Client elects to waive |  |  | 09/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848335 | xxxxxx | 34601977 | xxxxxx | 10/01/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Fraud Report utilized for application date since initial 1003 is missing. |  |  |  | Reviewer Comment (2025-09-30): Client elects to waive |  |  | 09/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848338 | xxxxxx | 34724000 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $197,002.03 is over disclosed by $205.00 compared to the calculated Amount Financed of $196,797.03 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $197,002.03, however calculated Finance Charge is $196,797.03. Variance of $180 is due to Lender did not include the Appraisal Management Fee of $205. |  |  |  | Reviewer Comment (2025-10-20): SitusAMC received LOE.<br>Seller Comment (2025-10-20): Please see attached regarding lump fees | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| xxxxxx | 848338 | xxxxxx | 34724001 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $373,921.43 is under disclosed by $205.00 compared to the calculated Finance Charge of $374,126.43 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $373,921.43, however calculated Finance Charge is $374,126.43. Variance of $180 is due to Lender did not include the Appraisal Management Fee of $205. |  |  |  | Reviewer Comment (2025-10-20): SitusAMC received LOE.<br>Seller Comment (2025-10-20): Please see attached | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| xxxxxx | 848338 | xxxxxx | 34724040 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,195.13 exceeds tolerance of $-5,156.00. Insufficient or no cure was provided to the borrower. (9300) | The Lender Credits was reduced from $6,563.00 on the initial Loan Estimate to xxxxxx on the initial Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-10-22): SitusAMC received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Seller Comment (2025-10-20): Please see attached Lender Attestation along with the two LE and COCs dated xxxxxx | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxxxxx | 848338 | xxxxxx | 34740878 | xxxxxx | 10/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. #16 notes 24 judgments attached. |  |  |  | Reviewer Comment (2025-10-22): Email from title with MUTC noting will not appear on FTP.<br>Seller Comment (2025-10-22): Please see attached | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 848345 | xxxxxx | 34724098 | xxxxxx | 10/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  |  | Reviewer Comment (2025-10-22): Received Credit Report dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-10-22): Please see the Gap Credit. xxxxxx | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 848345 | xxxxxx | 34724124 | xxxxxx | 10/17/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Administration Fee, Courier / Express Mail / Messenger Fee |  |  |  |  | Reviewer Comment (2025-10-16): Client elects to waive |  |  | 10/16/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
| xxxxxx | 848345 | xxxxxx | 34744478 | xxxxxx | 10/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The 2nd Seller xxxxxx, signing on behalf of the selling entity, is missing. |  |  |  | Reviewer Comment (2025-10-22): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared.<br>Buyer Comment (2025-10-21): Updated fraud is attached. xxxxxx | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 848353 | xxxxxx | 34662406 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | Seller Disclosure is missing. |  |  |  | Reviewer Comment (2025-10-17): SitusAMC received seller CD<br>Buyer Comment (2025-10-16): Please see attached. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| xxxxxx | 848418 | xxxxxx | 34545698 | xxxxxx | 09/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | As per Final CD or Post CD there are no indication of any fees paid to Seller and the Seller CD is also missing in the file. |  |  |  | Reviewer Comment (2025-10-07): SitusAMC received seller CD<br>Seller Comment (2025-10-06): Please see the attached Seller CD | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 848418 | xxxxxx | 34545708 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The 2nd Seller, xxxxxx, is missing. |  |  |  | Reviewer Comment (2025-10-07): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared.<br>Seller Comment (2025-10-06): Please see the attached SAM search<br>Seller Comment (2025-10-06): Please see the attached OFAC search<br>Seller Comment (2025-10-06): Please see the attached Fraud report | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848418 | xxxxxx | 34589957 | xxxxxx | 09/29/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Per guidelines, Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. Preparer verifies no business license required, however the nature of business LOE from the borrower is required per guidelines. |  |  |  | Reviewer Comment (2025-10-09): Received LOX for nature of business. Exception cleared.<br>Seller Comment (2025-10-07): Please see the attached LOE | 10/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848418 | xxxxxx | 34589964 | xxxxxx | 09/29/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The Gift of Equity Letter in file is for $233,256.10. The gift on the Final CD reflects xxxxxx and on PC-CD xxxxxx. Provide the updated gift letter with correct amount. |  |  |  | Reviewer Comment (2025-10-13): Updated gift letter provided<br>Seller Comment (2025-10-12): Please see the attached Gift letter<br>Reviewer Comment (2025-10-09): Received Gift Letter is in amount of $230,853.81 .However the Gift letter required is in amount of $230,796.08. Exception remains.<br>Seller Comment (2025-10-08): Please see the attached Gift Letter | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848418 | xxxxxx | 34589986 | xxxxxx | 09/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines a 12 month mortgage history on the existing mortgage securing subject property is required to verify no late payments in the last 12 month when gift of equity is received. |  |  |  | Reviewer Comment (2025-10-23): Received 12 month mortgage statement. Exception cleared.<br>Seller Comment (2025-10-21): MTG stmts from 10.24~09.25<br>Seller Comment (2025-10-21): Please see the attached MTG statements from xxxxxx ~9/25.<br>Reviewer Comment (2025-10-10): Please provide property history report to support that the subject property was free and clear. Fraud report reflects a mortgage lien in amount of xxxxxx. Exception remains.<br>Seller Comment (2025-10-09): xxxxxx Team,<br>The subject property is owned free and clear with no existing mortgage lien. Therefore, a Verification of Mortgage (VOM) and a 12-month mortgage payment history are not applicable. Please note that the borrower's current residence VOR was already provided in the closing pkg for reference.<br>Reviewer Comment (2025-10-09): Received VOR is for borrower current primary residence. However the12 month mortgage history is requested for the subject property. Exception remains.<br>Seller Comment (2025-10-07): Please refer to pg. 56 which shows the VOR in the closing pkg. Could you please waive the condition?<br> Please see the attached VOR for your reference. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848433 | xxxxxx | 34724229 | xxxxxx | 10/17/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Courier / Express Mail / Messenger Fee, Title - Notary Fee | Paid To party on the Closing Disclosure reflects UTD or was left blank. |  |  |  | Reviewer Comment (2025-10-16): Client elects to waive |  |  | 10/16/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| xxxxxx | 848433 | xxxxxx | 34724271 | xxxxxx | 10/17/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxxxx Shortfall. RCE reflects replacement cost of xxxxxx. |  |  |  | Reviewer Comment (2025-10-24): Documentation provided. Cleared<br>Buyer Comment (2025-10-23): Please see all the HOI documents provided by the seller for review. xxxxxx | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 848433 | xxxxxx | 34743089 | xxxxxx | 10/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The second lien mortgage on the subject property does not appear on credit. VOM, 6 months pay history and payoff provided. Provide a copy of the Note or mortgage statement. |  |  |  | Reviewer Comment (2025-10-22): Received Note and Extension Agreement. Exception cleared.<br>Buyer Comment (2025-10-21): Please see attached Note. xxxxxx | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 848473 | xxxxxx | 34724855 | xxxxxx | 10/14/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003 for xxxxxx. Refinance of primary in which borrower is paying the mortgage (joint). Vested interest. |  |  |  | Reviewer Comment (2025-10-20): Received corrected 1003. Exception cleared.<br>Seller Comment (2025-10-17): Please see attached<br>Reviewer Comment (2025-10-16): The same 1003 was provided. Please review the original condition. Provide the updated 1003 for xxxxxx. Refinance of primary in which borrower is paying the mortgage (joint). Vested interest. Should reflect owned vs. No primary housing.<br>Seller Comment (2025-10-16): Please see attached Post Consummation URLA | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| xxxxxx | 848532 | xxxxxx | 34705832 | xxxxxx | 10/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Condo Investor concentration > 60%. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit score 30+ points > minimum required | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-14): Client elects to waive with verified compensation factors |  |  | 10/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 848532 | xxxxxx | 34723096 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Certificate not provided in file |  |  |  | Reviewer Comment (2025-10-23): Received business purpose certificate. exception cleared.<br>Buyer Comment (2025-10-23): Please see attached Business Purpose Cert. | 10/23/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 848532 | xxxxxx | 34723317 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | Initial 1003, dec page, reflects intent to occupy. Corrected on final title policy. Provide the lender attestation on error. |  |  |  | Reviewer Comment (2025-10-16): Lender attesation on error provided<br>Buyer Comment (2025-10-16): Please see UW LOE. | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B C A | N/A | N/A | No |
| xxxxxx | 848586 | xxxxxx | 34717585 | xxxxxx | 10/09/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-10-10): Waived per client guidance<br>Buyer Comment (2025-10-10): This loan is incorrectly coded as Consumer- Please correct<br>Buyer Comment (2025-10-10): xxxxxx does not require an initial 1003 on business purpose loans |  |  | 10/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| xxxxxx | 848590 | xxxxxx | 34735744 | xxxxxx | 10/09/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's is missing. |  |  |  | Reviewer Comment (2025-10-09): Waived per client guidance.<br>Buyer Comment (2025-10-09): This loan is coded as a Consumer loan. This is a Business Purpose ATR 30 Year Fixed<br>Buyer Comment (2025-10-09): We do not require an initial 1003 for business purpose loans |  |  | 10/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 848590 | xxxxxx | 34735746 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of xxxxxx used as disbursement date for compliance testing. | All Closing disclosure were marked prelim. |  |  |  | Reviewer Comment (2025-10-14): Provided and cleared.<br>Buyer Comment (2025-10-14): xxxxxx Team,<br>Kindly find attached the Receipt/Disbursement Ledger as evidence of the disbursement date for your further review. | 10/14/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 848590 | xxxxxx | 34735747 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | All Closing disclosure were marked prelim. |  |  |  | Reviewer Comment (2025-10-14): Provided and cleared.<br>Buyer Comment (2025-10-14): xxxxxx Team,<br>Kindly find attached the Receipt/Disbursement Ledger with the fees mentioned for your further review. | 10/14/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| xxxxxx | 848591 | xxxxxx | 34667588 | xxxxxx | 09/26/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Business | Borrower Bank Statement is missing. - Borrower - xxxxxx, Business - xxxxxx, Bank - xxxxxx, Acc# xxxxxx, Date xxxxxx , |  |  |  | Reviewer Comment (2025-10-01): Provided and cleared.<br>Buyer Comment (2025-10-01): Attached is the bank account statement for xxxxxx Production from xxxxxx xxxxxx . Included ins the December transactions and balances. This is what we used. | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 848591 | xxxxxx | 34667589 | xxxxxx | 09/26/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's is missing |  |  |  | Reviewer Comment (2025-10-01): Waived per client guidance.<br>Buyer Comment (2025-10-01): This is a Business purpose loan. Initial 1003 does not apply per our guidelines |  |  | 10/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 848591 | xxxxxx | 34667590 | xxxxxx | 09/26/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Missing account statement for xxxxxx for the month of December 2024. |  |  |  | Reviewer Comment (2025-10-01): Provided and cleared.<br>Buyer Comment (2025-10-01): See comment from exception xxxxxx. This waterfalls from that cure. | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 848593 | xxxxxx | 34667585 | xxxxxx | 09/23/2025 | 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 (2025-10-03): CDA provided, exception cleared.<br>Buyer Comment (2025-10-03): Here's the CDA again which is the secondary valuation. The CDA was originally provided with the package and was overlooked by your group.<br>Buyer Comment (2025-10-03): The CDA provided in the Master File IS the secondary value which reflects CDA value to appraisal value 0% discrepancy. | 10/03/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D A | Non QM | Non QM | No |
| xxxxxx | 848621 | xxxxxx | 34730691 | xxxxxx | 10/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final closing statement in file which reflects the tax lien paid through closing is not stamped certified. Provide the final stamped certified settlement statement. |  |  |  | Reviewer Comment (2025-10-21): Final stamped settlement statement provided with lien paid.<br>Buyer Comment (2025-10-17): xxxxxx please see Final SS | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 848621 | xxxxxx | 34731022 | xxxxxx | 10/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Per guidelines for the P&L program, the preparer must provide confirmation business has been in existence for a minimum of two (2) years. Only confirmation of most recent filing of tax returns and ownership % confirmed. |  |  |  | Reviewer Comment (2025-10-23): Received CPA letter. Exception cleared.<br>Buyer Comment (2025-10-22): xxxxxx please see CPA Letter attached | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 848700 | xxxxxx | 34743133 | xxxxxx | 10/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Rental income used to qualify. |  |  |  | Reviewer Comment (2025-10-24): Received xxxxxx. Exception cleared.<br>Buyer Comment (2025-10-23): See attached xxxxxx | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 848704 | xxxxxx | 34726582 | xxxxxx | 10/17/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Administration Fee, HOA/Condo Questionnaire, Underwriting Fee | Payee on 3 fees is blank. No invoices in file to determine payee. |  |  |  | Reviewer Comment (2025-10-17): The client elects to waive. |  |  | 10/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
| xxxxxx | 848723 | xxxxxx | 34761771 | xxxxxx | 10/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor Exception in file for primary residence rent paid in cash. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-23): Client elects to waive with verified compensation factors |  |  | 10/23/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848737 | xxxxxx | 34715781 | xxxxxx | 10/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Provide Trust Agreement for the property sold on xxxxxx as the Seller of the property reflects borrower is Successor of a Trust to verify all proceeds are the borrowers. |  |  |  | Reviewer Comment (2025-10-21): Received Trust Agreement. Exception cleared.<br>Buyer Comment (2025-10-17): Please see attached. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848737 | xxxxxx | 34715888 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock document is missing from the loan file. |  |  |  | Reviewer Comment (2025-10-15): Client elects to waive |  |  | 10/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848737 | xxxxxx | 34733219 | xxxxxx | 10/15/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Final 1003 does not reflect is current primary on xxxxxx is No Primary Residence, Own, or Rent. Per fraud report, property is vested in a Trust and notes borrower is not in ownership of property. |  |  |  | Reviewer Comment (2025-10-22): Updated 1003 provided<br>Buyer Comment (2025-10-22): Please see attached.<br>Reviewer Comment (2025-10-21): Received Lender Attestation. However provide corrected 1003 to reflect No Primary Residence, since borrower lived rent-free. Exception remains.<br>Buyer Comment (2025-10-17): Please see attached. | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848737 | xxxxxx | 34733332 | xxxxxx | 10/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU score 999; xxxxxx CU score 2.5. Due to discrepancy, a secondary valuation is required. |  |  |  | Reviewer Comment (2025-10-22): xxxxxx CU score of 2.4 provided<br>Buyer Comment (2025-10-22): Please see attached.<br>Reviewer Comment (2025-10-21): The LOE is not acceptable. As noted in the guidelines, if both CU's are provided and both has have scores and they conflict, a secondary valuation is required.<br>Buyer Comment (2025-10-20): Please see attached. | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848737 | xxxxxx | 34733349 | xxxxxx | 10/15/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Quote only in file. Provide the active policy as effective date, end date and mortgagee + ISAOA is missing. |  |  |  | Reviewer Comment (2025-10-17): Received Hazard Insurance Policy. Exception cleared.<br>Buyer Comment (2025-10-16): Please see attached. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848737 | xxxxxx | 34733370 | xxxxxx | 10/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Preparer License confirmation | Current/active license or certification for the preparer:<br> ▪<br> State CPA license number as verified by license or screenshot from state licensing authority<br> ▪<br> IRS Enrolled Agent (EA) certification from IRS (e.g., screenshot of IRS web site)<br> ▪<br> xxxxxx certification from xxxxxx (e.g., screenshot of xxxxxx web site)<br> ▪<br> State Attorney license number as verified by license or screenshot from state licensing authority |  |  |  | Reviewer Comment (2025-10-21): Received xxxxxx Search. Exception cleared.<br>Buyer Comment (2025-10-17): Please see attached. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848737 | xxxxxx | 34733377 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Current/active license or certification for the preparer:<br> ▪<br> State CPA license number as verified by license or screenshot from state licensing authority<br> ▪<br> IRS Enrolled Agent (EA) certification from IRS (e.g., screenshot of IRS web site)<br> ▪<br> xxxxxx certification from xxxxxx (e.g., screenshot of xxxxxx web site)<br> ▪<br> State Attorney license number as verified by license or screenshot from state licensing authority |  |  |  | Reviewer Comment (2025-10-21): License lookup provided<br>Buyer Comment (2025-10-17): Please see attached. | 10/21/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxxxxx | 848737 | xxxxxx | 34733378 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Current/active license or certification for the preparer:<br> ▪<br> State CPA license number as verified by license or screenshot from state licensing authority<br> ▪<br> IRS Enrolled Agent (EA) certification from IRS (e.g., screenshot of IRS web site)<br> ▪<br> xxxxxx certification from xxxxxx (e.g., screenshot of xxxxxx web site)<br> ▪<br> State Attorney license number as verified by license or screenshot from state licensing authority |  |  |  | Reviewer Comment (2025-10-21): License lookup provided<br>Buyer Comment (2025-10-17): Please see attached. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848754 | xxxxxx | 34680360 | xxxxxx | 10/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br> • Any new tradeline with a balance must be included in determining the DTI ratio. |  |  |  | Reviewer Comment (2025-10-14): Received UDM Report dated xxxxxx . Exception cleared.<br>Buyer Comment (2025-10-13): Credit Refresh Uploaded | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848754 | xxxxxx | 34680369 | xxxxxx | 10/10/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-10-09): Client elects to waive |  |  | 10/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848754 | xxxxxx | 34688902 | xxxxxx | 10/10/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Application from Fraud Report as initial 1003 was not provided. |  |  |  | Reviewer Comment (2025-10-09): Client elects to waive |  |  | 10/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848770 | xxxxxx | 34550035 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-09-30): Client elects to waive |  |  | 09/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848770 | xxxxxx | 34600505 | xxxxxx | 09/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business License | Business license for the past 2 years must be provided. As per CPA Letter the nature of business does not require government issued license; however, borrower's letter is required to explain the details of business nature. |  |  |  | Reviewer Comment (2025-10-06): LOE on nature of business provided<br>Seller Comment (2025-10-05): Please see attached file. xxxxxx. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848770 | xxxxxx | 34600517 | xxxxxx | 09/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title and Supplement: City does not match |  |  |  | Reviewer Comment (2025-10-09): Updated supplement provided<br>Seller Comment (2025-10-09): Attached are the requested documents. Could you please review and clear the condition? xxxxxx.<br>Reviewer Comment (2025-10-08): The condition cannot be waived. As noted, the address affidavit is not acceptable and the supplement still reflects xxxxxx as the City with xxxxxx Area. The city should just reflect xxxxxx.<br>Seller Comment (2025-10-07): Based on prior cases, the Address Affidavit and Title Supplement should be sufficient to clear this condition .We've never had this issue before that can't be cleared with these items. The title supplement is already correcting the title documents to include xxxxxx and title won't be able to remove xxxxxx as both xxxxxx apply as the city. Could you please kindly review and waive this condition? xxxxxx.<br>Reviewer Comment (2025-10-06): The address affidavit does not clear this. All addresses must match.<br>Seller Comment (2025-10-05): Please see attached file. The address affidavit in final docs shows the address variation. xxxxxx.<br>Reviewer Comment (2025-10-02): The city on the supplement still reflects xxxxxx. None of the other documents reflect xxxxxx Area. The city should just be reflected as xxxxxx.<br>Seller Comment (2025-10-01): There is a title supplement for the updated address in the closing package on page 235. I've attached it for your review. xxxxxx.<br>Reviewer Comment (2025-10-01): The condition cannot be waived. The City on the title and supplement is xxxxxx. The Note and all other documents are xxxxxx.<br>Seller Comment (2025-10-01): I do not see any errors in the subject property address. Could you please review again and waive the condition? I have highlighted the sections in the documents you mentioned for your reference. xxxxxx. | 10/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848770 | xxxxxx | 34600759 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business license for the past 2 years must be provided. As per CPA Letter the nature of business does not require government issued license; however, borrower's letter is required to explain the details of business nature. |  |  |  | Reviewer Comment (2025-10-06): LOE on nature of business provided<br>Seller Comment (2025-10-05): Please see attached file. xxxxxx. | 10/06/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxxxxx | 848770 | xxxxxx | 34600760 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business license for the past 2 years must be provided. As per CPA Letter the nature of business does not require government issued license; however, borrower's letter is required to explain the details of business nature. |  |  |  | Reviewer Comment (2025-10-06): LOE on nature of business provided<br>Seller Comment (2025-10-05): Please see attached file. xxxxxx. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848843 | xxxxxx | 34626775 | xxxxxx | 10/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | If the cash-out seasoning is less than 12 months, but greater than 6 months, the transaction property value is limited to the lower of the current appraised value or<br> the property's purchase price plus documented improvements. Lender utilized higher appraised value. Note: Documented improvements not provided. |  |  |  | Reviewer Comment (2025-10-07): Final Settlement statement provided matching PC-CD which reflects borrower brought funds to close. Paying off lien used to purchase property. Owned > 6 months. xxxxxx Appraised value can be utilized.<br>Seller Comment (2025-10-06): This is not a cash-out. The borrower had to bring in $1,108.11 to close. There is no title seasoning requirement or requirement to use the lower of appraised value or purchase price. Could you please review and clear this condition? | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848843 | xxxxxx | 34626797 | xxxxxx | 10/03/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 74.74498% exceeds Guideline loan to value percentage of 70.00000%. | Per lender's matrix, max 70% with a 720 FICO up to $2.5MIL loan amount. for P&L program. |  |  |  | Reviewer Comment (2025-10-07): Final Settlement statement provided matching PC-CD which reflects borrower brought funds to close. Paying off lien used to purchase property. Owned > 6 months. xxxxxx Max 75%.<br>Seller Comment (2025-10-06): This is not a cash-out. This is a rate & term refi. Max LTV is 75%. Could you please review and clear this condition? xxxxxx. | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848843 | xxxxxx | 34626824 | xxxxxx | 10/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Reflects City of xxxxxx. City should be xxxxxx per Note and all other documents. |  |  |  | Reviewer Comment (2025-10-09): Supplement provided updating city.<br>Seller Comment (2025-10-09): Attached are the requested documents. Could you please review and clear the condition? xxxxxx.<br>Reviewer Comment (2025-10-08): Condition cannot be waived. As noted, the address affidavit is not acceptable and all addresses must match. No other documents reflect xxxxxx or xxxxxx on xxxxxx.<br>Seller Comment (2025-10-07): Based on prior cases, the Address Affidavit and Title Supplement should be sufficient to clear this condition .We've never had this issue before that can't be cleared with these items.. Could you please re-review and waive this condition? xxxxxx.<br>Reviewer Comment (2025-10-06): The address affidavit is not acceptable. All addresses must match.<br>Seller Comment (2025-10-06): Please see attached file. xxxxxx. | 10/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848843 | xxxxxx | 34626837 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Reviewer Comment (2025-10-02): Client elects to waive |  |  | 10/02/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 848848 | xxxxxx | 34603165 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | The file is missing Verbal Verification of Employment within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-10): Received updated VVOE dated xxxxxx . Exception cleared.<br>Seller Comment (2025-10-10): Please see the attached VVOE with verifier's number. xxxxxx<br>Reviewer Comment (2025-10-07): Received VVOE within 10 business days of closing. However, the document does not contain the phone number of the person processing the VVOE. Exception remains.<br>Seller Comment (2025-10-06): Please see the attached VVOE dated xxxxxx . xxxxxx | 10/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 848848 | xxxxxx | 34603213 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The file is missing Verbal Verification of Employment within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-13): Updated VVOE provided<br>Seller Comment (2025-10-12): The updated VVOE dated xxxxxx has been accepted in the upper condition. Could you please see if you have any concerns in this condition?<br>Reviewer Comment (2025-10-07): Received VVOE within 10 business days of closing. However, the document does not contain the phone number of the person processing the VVOE. Exception remains.<br>Seller Comment (2025-10-06): Please see the VVOE dated xxxxxx attached in upper condition. xxxxxx! | 10/13/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxxxxx | 848848 | xxxxxx | 34603214 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The file is missing Verbal Verification of Employment within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-13): Updated VVOE provided<br>Seller Comment (2025-10-12): The updated VVOE dated xxxxxx has been accepted in the upper condition. Could you please see if you have any concerns in this condition?<br>Reviewer Comment (2025-10-07): Received VVOE within 10 business days of closing. However, the document does not contain the phone number of the person processing the VVOE. Exception remains.<br>Seller Comment (2025-10-06): Please see the VVOE dated xxxxxx attached in upper condition. xxxxxx | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 848863 | xxxxxx | 34589926 | xxxxxx | 09/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | For-Sale-By-Owner (FSBO) transactions must be arms-length. Per appraisal, non-arms (borrower purchasing current rented property from landlord). |  |  |  | Reviewer Comment (2025-10-09): Updated appraisal provided removing FSBO. xxxxxx involved per Final CD.<br>Seller Comment (2025-10-07): Please see attached file. xxxxxx. | 10/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848869 | xxxxxx | 34523283 | xxxxxx | 09/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | As per Final 1003 provided in file, it seems the property at xxxxxx was recently purchased as a new primary. Wire transfer on PC-CD to closing. Provide First payment letter/Final CD to verify the monthly PITIA payments. If the account is not escrowed then provide HOI policy, Tax certificate & HOA statement (if applicable). |  |  |  | Reviewer Comment (2025-10-01): Received Note, Hazard Insurance and Closing Disclosure for the property at xxxxxx. Exception cleared.<br>Seller Comment (2025-09-30): Please see the attached Final CD<br>Seller Comment (2025-09-30): Please see the attached EOI<br>Seller Comment (2025-09-30): Please see the attached NOTE | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| xxxxxx | 848869 | xxxxxx | 34523294 | xxxxxx | 09/28/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide corrected 1003 for the following:<br> 1. The properties at xxxxxx are both marked as primary occupancy. xxxxxx is a new purchase and per LOE, purchasing property with a view for long term housing plans. <br> 2. The dependents section on page 1 of Final 1003 is not complete. |  |  |  | Reviewer Comment (2025-10-07): Received corrected 1003. Exception cleared.<br>Seller Comment (2025-10-06): Please see the attached updated Final 1003<br>Reviewer Comment (2025-10-06): Received corrected 1003 for occupancy however the dependents section on page 1 of Final 1003 is not complete. Exception remains.<br>Seller Comment (2025-10-05): Please see the attached updated 1003 | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| xxxxxx | 848869 | xxxxxx | 34549086 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Consumer purpose investment. PPP not allowed. LOE from borrower states using proceeds to purchase a property with a view as part of his long term housing plans. Wire transfer for new property on PC-CD. 1003 reflects REO section new lien marked as Primary for xxxxxx. |  |  |  | Reviewer Comment (2025-10-20): Client elects to waive<br>Seller Comment (2025-10-16): Please see the attached Delivery proof<br>Seller Comment (2025-10-16): Please see the attached LOE for PPP<br>Seller Comment (2025-10-16): Please see the attached Loan Modification Agreement<br>Reviewer Comment (2025-10-01): The condition cannot be waived. Please review the original condition. Consumer purpose investment. PPP not allowed. LOE from borrower states using proceeds to purchase a property with a view as part of his long term housing plans. Wire transfer for new property on PC-CD. 1003 reflects REO section new lien marked as Primary for xxxxxx.<br>Seller Comment (2025-09-30): xxxxxx Team,<br> We would like to clarify that the subject property is an investment property. As such, the Prepayment Penalty applied in this file is permissible under the guidelines, which allow PPP for business-purpose investment properties. Could you please waive the condition? Please let us know if further information is required. |  |  | 10/20/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| xxxxxx | 848869 | xxxxxx | 34549090 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx with a prepayment payment disclosed the maximum prepayment penalty amount that does not match the actual maximum amount for the loan. (Final xxxxxx) | Terms do not match |  |  |  | Reviewer Comment (2025-09-25): Client elects to waive |  |  | 09/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | N/A | N/A | Yes |
| xxxxxx | 848873 | xxxxxx | 34543298 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | As per final 1003, net rental income of $3,592.00 was considered for the investment property however, no supporting rental income documentation was provided to substantiate this amount. As a result the DTI ratio exceeds the allowable limit. |  |  |  | Reviewer Comment (2025-10-23): Rental income documentation (Lease x 2 and 1025 estimated rents) was provided and meets guideline requirements.<br>Seller Comment (2025-10-23): here's Lease agreement for 2014 & 2016, Appraisal 1007 and Updated 1008/1003. | 10/23/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxxxxx | 848873 | xxxxxx | 34543299 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.52463% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | As per final 1003, net rental income of $3,592.00 was considered for the investment property however, no supporting rental income documentation was provided to substantiate this amount. As a result the DTI ratio exceeds the allowable limit. |  |  |  | Reviewer Comment (2025-10-23): Rental income documentation (Lease x 2 and 1025 estimated rents) was provided and meets guideline requirements. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 848873 | xxxxxx | 34543631 | xxxxxx | 09/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.52463% exceeds Guideline total debt ratio of 50.00000%. | As per final 1003, net rental income of $3,592.00 was considered for the investment property however, no supporting rental income documentation was provided to substantiate this amount. As a result the DTI ratio exceeds the allowable limit. |  |  |  | Reviewer Comment (2025-10-23): Rental income documentation (Lease x 2 and 1025 estimated rents) was provided and meets guideline requirements. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 848873 | xxxxxx | 34544477 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | As per final 1003, net rental income of $3,592.00 was considered for the investment property however, no supporting rental income documentation was provided to substantiate this amount. As a result the DTI ratio exceeds the allowable limit. |  |  |  | Reviewer Comment (2025-10-23): Rental income documentation (Lease x 2 and 1025 estimated rents) was provided and meets guideline requirements. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 848877 | xxxxxx | 34653924 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | Section 5 Declarations is not completed. Provide the fully completed 1003 signed or initialed by the borrower and lender attestation on error. |  |  |  | Reviewer Comment (2025-10-20): Received 1003 Final and Lender Attestation. Exception cleared.<br>Buyer Comment (2025-10-16): Please see attached.<br>Reviewer Comment (2025-10-14): Received updated 1003 however not executed by borrower. The lender just attached page 8 of the Final 1003 to the corrected 1003 which is not acceptable. Pending receipt of lender attestation on error and initialed / signed corrected 1003 by the borrower.<br>Buyer Comment (2025-10-13): Please see attached. | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848877 | xxxxxx | 34676550 | xxxxxx | 10/10/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | A new scored report dated at or prior to closing is required. | 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-22): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-22): 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 - DTI <= 40% which is below requirement in guidelines<br>Reviewer Comment (2025-10-15): As noted previously on xxxxxx and in the original condition, if the original credit report is expired, a new scored report with updated scores and debt is required dated at or prior to closing.<br>Buyer Comment (2025-10-15): Credit refresh is dated xxxxxx and note date is xxxxxx please provide additional color as to why this would not be acceptable.<br>Reviewer Comment (2025-10-14): The same gap report was provided that was in file at time of review. Please review the original condition. A new scored report dated at or prior to closing is required.<br>Buyer Comment (2025-10-13): Please see attached. |  |  | 10/22/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848877 | xxxxxx | 34676933 | xxxxxx | 10/10/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Current address on xxxxxx does not state how long the borrower has resided at the property address. In addition, the employment address and phone are blank. Also, there is additional borrower listed, xxxxxx, that is not on the loan. |  |  |  | Reviewer Comment (2025-10-14): Corrected 1003 provided<br>Buyer Comment (2025-10-13): Please see attached. | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848877 | xxxxxx | 34677299 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-09): Client elects to waive |  |  | 10/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848877 | xxxxxx | 34677320 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $123.60 exceeds tolerance of $120.00. $3.60 over legal limit. Insufficient or no cure was provided to the borrower. (75106) | The Survey Fee increases from $120.00 on the initial Loan Estimate to $123.00 on the initial Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-10-22): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-20): Please see attached.<br>Reviewer Comment (2025-10-16): SitusAMC received COC dated xxxxxx . but it does not give sufficient information on requirements of CDA review. Please provide additional information with supporting documentation of the reason for the CDA review and what information was received that required added the condition by UW and when was that information received. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-15): Please see attached.<br>Reviewer Comment (2025-10-14): SitusAMC CDA fee charged from Initial LE as $120 and increased on CD dated xxxxxx to $123.60. Received COC dated xxxxxx does not provide sufficient information for increased CDA fee. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-13): Please see attached. |  | 10/22/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 848877 | xxxxxx | 34683486 | xxxxxx | 10/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Age of document: CPA letter is > 90 days old. | 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-22): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-22): 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 - DTI <= 40% which is below requirement in guidelines<br>Reviewer Comment (2025-10-15): The attached is not acceptable. Loan was not reviewed to xxxxxx guidelines but 8.2025 guidelines and matrix which require income documents to be within 90 days prior to closing.<br>Buyer Comment (2025-10-15): Please see attached. |  |  | 10/22/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848877 | xxxxxx | 34684047 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Age of document: CPA letter is > 90 days old. |  |  |  | Reviewer Comment (2025-10-22): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-10-15): The attached is not acceptable. Loan was not reviewed to xxxxxx guidelines but 8.2025 guidelines and matrix which require income documents to be within 90 days prior to closing.<br>Buyer Comment (2025-10-15): Please see attached. | 10/22/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxxxxx | 848877 | xxxxxx | 34684048 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Age of document: CPA letter is > 90 days old. |  |  |  | Reviewer Comment (2025-10-22): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-10-15): The attached is not acceptable. Loan was not reviewed to xxxxxx guidelines but 8.2025 guidelines and matrix which require income documents to be within 90 days prior to closing.<br>Buyer Comment (2025-10-15): Please see attached. | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 848877 | xxxxxx | 34684365 | xxxxxx | 10/10/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx / Relative Sequence Num: 2 H Other 2 | Payable to party: Notary Fee reflects Other, Transfer tax reflects Other, Risk Management fee reflects TBD |  |  |  | Reviewer Comment (2025-10-09): Client elects to waive |  |  | 10/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| xxxxxx | 848921 | xxxxxx | 34701846 | xxxxxx | 10/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Evidence of earlier receipt not provided |  |  |  | Reviewer Comment (2025-10-17): SitusAMC received updated E-sign Consent agreement with eConsent accepted by borrower on xxxxxx <br>Buyer Comment (2025-10-16): Please see attached LE and e-Consent. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848921 | xxxxxx | 34701849 | xxxxxx | 10/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,120.00 exceeds tolerance of $7,350.00. $770.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  |  |  | Reviewer Comment (2025-10-17): SitusAMC received updated LE and valid Changed circumstance.<br>Buyer Comment (2025-10-16): Please see attached LE and COC. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 848921 | xxxxxx | 34715255 | xxxxxx | 10/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Credit report was run with primary address on xxxxxx which was reflected on the initial 1003 and corrected to the subject property on the Final 1003. Provide evidence borrower does not own the property on xxxxxx. |  |  |  | Reviewer Comment (2025-10-28): Received LO attestation regarding the discrepancy in address on Initial 1003, credit report and Final 1003. Received Property History Report to verify property is not owned by borrower. Exception cleared.<br>Buyer Comment (2025-10-24): See address clarification<br>Reviewer Comment (2025-10-20): Received Property History Report reflects owner name as xxxxxx, for that evidence of ownership of business is missing therefore unable to identify whether borrower is owner of the business. Also received only one page of property history report unable to verify when the property was sold/transfer. Since credit report and initial 1003 reflects the property as xxxxxx whereas final 1003 reflects subject property address. Provide evidence borrower does not own the property on xxxxxx. Exception remains.<br>Buyer Comment (2025-10-16): See attached property report | 10/28/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848921 | xxxxxx | 34715309 | xxxxxx | 10/13/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Reflects xxxxxx vs. xxxxxx (two words). |  |  |  | Reviewer Comment (2025-10-21): Updated CDA provided<br>Buyer Comment (2025-10-20): Updated CDA | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848921 | xxxxxx | 34715313 | xxxxxx | 10/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Rental income used to qualify. 2 months rent receipt required. Must be deposited into an account outside of the one utilized for income. |  |  |  | Reviewer Comment (2025-10-21): Received 2 months xxxxxx payment. Exception cleared.<br>Buyer Comment (2025-10-17): Rent receipt | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848948 | xxxxxx | 34627389 | xxxxxx | 10/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signor of seller, xxxxxx. |  |  |  | Reviewer Comment (2025-10-14): Received Fraud and OFAC searches run on authorized signor of seller, xxxxxx and xxxxxx. Exception cleared.<br>Seller Comment (2025-10-13): here's updated xxxxxx & OFAC | 10/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 848948 | xxxxxx | 34630422 | xxxxxx | 10/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business License | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. |  |  |  | Reviewer Comment (2025-10-13): LOE on nature of business provided<br>Seller Comment (2025-10-13): here's borrower's LOE explaining business license does not require for his job | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 848948 | xxxxxx | 34630616 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. |  |  |  | Reviewer Comment (2025-10-13): LOE on nature of business provided<br>Seller Comment (2025-10-13): here's borrower's LOE explaining business license does not require for his job | 10/13/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxxxxx | 848948 | xxxxxx | 34630617 | xxxxxx | 10/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. |  |  |  | Reviewer Comment (2025-10-13): LOE on nature of business provided | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 848958 | xxxxxx | 34585419 | xxxxxx | 10/01/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2025-10-09): Investor stated confirmed with lender that disclosure was signed at closing and accepting as such. Emailed uploaded.<br>Buyer Comment (2025-10-07): Please review again. Closing date was on xxxxxx and the disclosure was signed on xxxxxx, which is not post close. xxxxxx. | 10/09/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | Non QM | Non QM | Yes |
| xxxxxx | 848971 | xxxxxx | 34724172 | xxxxxx | 10/16/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | The Credit Report in file is dated more than 120 days old. Provide the new scored report dated at or prior to closing. | 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 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%. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-22): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-22): 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 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Self-employed for > 5 years |  |  | 10/22/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848971 | xxxxxx | 34740787 | xxxxxx | 10/16/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2025-10-21): Received E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-10-17): Please see the E-Consent. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 848971 | xxxxxx | 34742099 | xxxxxx | 10/16/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal does not note there is an ADU, however, the photos reflect an outbuilding as well as HOI reflects ADU coverage. Provide the updated appraisal. |  |  |  | Reviewer Comment (2025-10-29): Received updated Appraisal. Exception cleared.<br>Buyer Comment (2025-10-28): Please see attached Revised Appraisal.<br>Reviewer Comment (2025-10-22): The same appraisal was provided that was in file at time of review. Please review the original condition. The appraisal does not note there is an ADU, however, the photos reflect an outbuilding as well as HOI reflects ADU coverage. Provide the updated appraisal.<br>Buyer Comment (2025-10-20): Please see attached Appraisal. | 10/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849025 | xxxxxx | 34667946 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | The HOA Questionnaire is missing the Contact Information of the person who has made it on page 8. Provide the updated HOA Questionnaire with all the relevant information of the Contact person. |  |  |  | Reviewer Comment (2025-10-24): Received corrected HOA Questionnaire. Exception cleared.<br>Buyer Comment (2025-10-23): xxxxxx please see attached HOA form with page 5 and 8 fully completed with preparer and contact person info.<br>Buyer Comment (2025-10-23): xxxxxx please see attached HOA form with page 6 and 8 fully completed with preparer and contact person info. | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849025 | xxxxxx | 34667999 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided. Must include all transaction participants as follows: Borrowers and Property Sellers. |  |  |  | Reviewer Comment (2025-10-21): Received fraud report with all transaction participants. Exception cleared.<br>Buyer Comment (2025-10-17): xxxxxx please see DRIVE report | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849025 | xxxxxx | 34668110 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. |  |  |  | Reviewer Comment (2025-10-20): SitusAMC: As per seller CD and executed final SS seller has not paid any closing cost.<br>Buyer Comment (2025-10-17): xxxxxx Lender response: Per the seller CD in file, the only charges to seller were the items on pg. 3. Please clarify what is required to clear this condition. | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 849025 | xxxxxx | 34702492 | xxxxxx | 10/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Does not reflect xxxxxx in the address. |  |  |  | Reviewer Comment (2025-10-30): An email from the title agent was provided.<br>Buyer Comment (2025-10-28): xxxxxx please see email from Title.<br>Reviewer Comment (2025-10-28): The incorrect and correct title are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title on updates).<br>Buyer Comment (2025-10-27): xxxxxx updated Title<br>Reviewer Comment (2025-10-21): The legal description does not clear this condition. The address must be updated to match all documents.<br>Buyer Comment (2025-10-17): xxxxxx Lender response: Please note the unit number, which is reflected in the legal description/exhibit A on page 12 of the commitment I just uploaded | 10/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849025 | xxxxxx | 34702566 | xxxxxx | 10/10/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6 - 4 is missing from address |  |  |  | Reviewer Comment (2025-10-21): Received updated HOI. Exception cleared.<br>Buyer Comment (2025-10-17): xxxxxx please see attached | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849057 | xxxxxx | 34698928 | xxxxxx | 10/14/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal: Reflects Unit as xxxxxx per Note |  |  |  | Reviewer Comment (2025-10-21): Updated appraisal provided<br>Seller Comment (2025-10-19): Please see the attached Appraisal Report with corrected address. xxxxxx | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849057 | xxxxxx | 34698999 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  |  | Reviewer Comment (2025-10-15): Received a copy of HOA Questionnaire. Exception cleared.<br>Seller Comment (2025-10-15): Please see the attached HOA CERT. xxxxxx | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849057 | xxxxxx | 34699165 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  | Reviewer Comment (2025-10-14): Client elects to waive |  |  | 10/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849057 | xxxxxx | 34699170 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | The loan Estimate dated xxxxxx is signed and dated by borrower on xxxxxx . |  |  |  | Reviewer Comment (2025-10-16): SitusAMC received initial LE dated xxxxxx .<br>Seller Comment (2025-10-15): Please see the attached Initial LE issued on xxxxxx and signed on xxxxxx. xxxxxx | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849057 | xxxxxx | 34699171 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $3,937.50 exceeds tolerance of $0.00. $3,937.50 over legal limit. Insufficient or no cure was provided to the borrower. (7349) | The Extension Fee was not disclosed on the initial Loan Estimate and was charged $3,937.50 on the Final Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-10-20): SitusaMC received a valid COC.<br>Seller Comment (2025-10-19): Please see the attached COC xxxxxx reflecting the change in the lock extension fee. xxxxxx | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 849057 | xxxxxx | 34716061 | xxxxxx | 10/14/2025 | 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. | Disclosure was provided at closing. |  |  |  | Reviewer Comment (2025-10-14): Client elects to waive |  |  | 10/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849057 | xxxxxx | 34720985 | xxxxxx | 10/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Address does not reflect unit number as well as legal description reflects unit number as xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-29): The client elects to waive.<br>Buyer Comment (2025-10-28): 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 - Residual income more than 2.5x the amount required by guidelines<br>Reviewer Comment (2025-10-28): Received updated title with updated address. Pending confirmation from investor if they are accepting the legal as is with xxxxxx.<br>Seller Comment (2025-10-27): Uploaded the updated Title Commitment reflecting the Note address (xxxxxx). The legal description remains "xxxxxx," which cannot be modified, so I will reach out to the investor to request clearance. Please advise if there are any other concerns remaining aside from the legal description. xxxxxx.<br>Reviewer Comment (2025-10-23): The condition cannot be cleared. xxxxxx is in the legal address and the actual address on the Note and must be corrected.<br>Seller Comment (2025-10-23): Upon further review with the underwriter, we confirmed that "xxxxxx" in the legal description refers to the unit designation "xxxxxx," while the actual property address is xxxxxx. "xxxxxx" is simply part of the legal description and does not represent an address discrepancy.<br>Please refer to the attached property detail report, which shows:<br> Property Address: xxxxxx<br> Legal Description Details: District: xxxxxx Unit: xxxxxx<br>As shown, the property address and the legal description detail are separate.<br> Kindly re-review this condition and consider clearing. xxxxxx.<br>Reviewer Comment (2025-10-21): All addresses must match. If the legal description and title reflect the correct unit and it should be xxxxxx, then all documents in the file are incorrect and will need to be updated / re-updated if recently corrected. Or investor can elect to waive with verified compensation factors.<br>Seller Comment (2025-10-21): The appraisal report is currently being revised to reflect the correct unit number as shown on the Note.<br>However, it seems that the Legal Description cannot be modified, as "xxxxxx" is the condominium unit designation recorded with the county and forms part of the property's official legal reference. Could you please consider and advise? |  |  | 10/29/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849057 | xxxxxx | 34721009 | xxxxxx | 10/14/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: Reflects Unit as xxxxxx per Note |  |  |  | Reviewer Comment (2025-10-21): Updated CDA provided<br>Seller Comment (2025-10-21): Please see the attached updated CDA. xxxxxx | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849059 | xxxxxx | 34602955 | xxxxxx | 10/03/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Complaint Agency Disclosure Timing Testing | xxxxxx Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Document in file is signed at closing. |  |  |  | Reviewer Comment (2025-10-08): Earlier disclosure provided<br>Seller Comment (2025-10-07): Please see the attached xxxxxx APPLICATION NOTICE dated Application Date xxxxxx. xxxxxx | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849060 | xxxxxx | 34698478 | xxxxxx | 10/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 not provided. Must include all REO properties owned and marital status. |  |  |  | Reviewer Comment (2025-10-16): Received Final 1003. Exception cleared.<br>Buyer Comment (2025-10-14): See updated 1003 | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 849060 | xxxxxx | 34699302 | xxxxxx | 10/13/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Prepayment Penalty Test | xxxxxx Prepayment Penalty: No prepayment penalties are permissible in the xxxxxx. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  | Reviewer Comment (2025-10-13): Client elect to waive |  |  | 10/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 849060 | xxxxxx | 34715537 | xxxxxx | 10/13/2025 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: xxxxxx | Schedule A is missing which reflects the insured amount |  |  |  | Reviewer Comment (2025-10-15): Received Title Commitment with Schedule A which reflects the insured amount. Exception cleared.<br>Buyer Comment (2025-10-14): See schedule A | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No |
| xxxxxx | 849061 | xxxxxx | 34600197 | xxxxxx | 10/03/2025 | 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 $228.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | 09/30/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| xxxxxx | 849061 | xxxxxx | 34600230 | xxxxxx | 10/03/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-10-09): E-consent provied<br>Seller Comment (2025-10-09): here's E-CONSENT and E-SIGN AUDIT TRAIL. | 10/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849066 | xxxxxx | 34601904 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | Provide tax certificate and insurance documents for the REO property xxxxxx. |  |  |  | Reviewer Comment (2025-10-13): Received property profile report reflecting property sold xxxxxx.<br>Seller Comment (2025-10-10): The property was sold. Here's property profile. | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 849066 | xxxxxx | 34601933 | xxxxxx | 10/03/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Declining market guidelines requires 5% LTV reduction. |  |  |  | Reviewer Comment (2025-10-09): Updated appraisal provided reflecting xxxxxx with appraiser notes on trends within the last 30 days which is within the time frame of the last appraisal completion and closing. Condition no longer applies.<br>Seller Comment (2025-10-08): Please see appraisal report updated. xxxxxx<br>Seller Comment (2025-10-08): Please see update appraisal report :) xxxxxx | 10/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 849066 | xxxxxx | 34601934 | xxxxxx | 10/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.39 is less than Guideline PITIA months reserves of 6.00. | Paid invoice missing for POCB Appraisal $875. Once received, can re-test reserves. |  |  |  | Reviewer Comment (2025-10-10): Additional asset statement provided<br>Seller Comment (2025-10-10): here's asset with updated 1008/1003.<br>Seller Comment (2025-10-10): Here's asset and updated 1008/1003. | 10/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 849066 | xxxxxx | 34613933 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Please provide evidence of Hazard Insurance for xxxxxx. Per the mortgage stmt in file, only escrowed for the Flood premium. |  |  |  | Reviewer Comment (2025-10-10): Evidence of insurance provided. Added TIA separately since only flood insurance is escrowed per statement.<br>Seller Comment (2025-10-10): Here's EOI and updated 1003<br>Seller Comment (2025-10-10): here's asset with updated 1008/1003.<br>Reviewer Comment (2025-10-06): "The escrow statement reflects an amount of $185.50, whereas the property history report indicates taxes of xxxxxx. Please provide the insurance document to verify whether hazard insurance is included in the escrow." Exception remains.<br>Seller Comment (2025-10-05): Relevant documentation for this has already been included in PKG pages 220–226, and both insurance and tax are included as impound. Please review and clear the related condition. | 10/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 849070 | xxxxxx | 34668550 | xxxxxx | 10/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx P&L Statement<br> P&L Statement | Most recent Calendar Year end P&L and current Year-to-date P&L through most recent month end, prior to application. P&L is through xxxxxx and application date is xxxxxx . P&L required through 8/2025. |  |  |  | Reviewer Comment (2025-10-24): Cleared with documentation<br>Seller Comment (2025-10-24): here's signed P&L<br>Reviewer Comment (2025-10-22): The updated P&L is not signed but not dated by the preparer which is a guideline requirement.<br>Seller Comment (2025-10-21): Please see the attached P&L | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 849070 | xxxxxx | 34668626 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Most recent Calendar Year end P&L and current Year-to-date P&L through most recent month end, prior to application. P&L is through xxxxxx and application date is xxxxxx . P&L required through 8/2025. |  |  |  | Reviewer Comment (2025-10-24): P&L Provided<br>Seller Comment (2025-10-24): uploaded signed P&L<br>Reviewer Comment (2025-10-22): The updated P&L is not signed but not dated by the preparer which is a guideline requirement.<br>Seller Comment (2025-10-21): Please see the attached updated Final 1003<br>Seller Comment (2025-10-21): Please see the attached Income worksheet<br>Seller Comment (2025-10-21): Please see the attached P&L | 10/24/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxxxxx | 849070 | xxxxxx | 34668627 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Most recent Calendar Year end P&L and current Year-to-date P&L through most recent month end, prior to application. P&L is through xxxxxx and application date is xxxxxx . P&L required through 8/2025. |  |  |  | Reviewer Comment (2025-10-24): P&L Provided<br>Seller Comment (2025-10-24): uploaded signed P&L<br>Reviewer Comment (2025-10-22): The updated P&L is not signed but not dated by the preparer which is a guideline requirement.<br>Seller Comment (2025-10-21): Please see the attached P&L | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 849070 | xxxxxx | 34668633 | xxxxxx | 10/09/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | CDA does not reflect xxxxxx |  |  |  | Reviewer Comment (2025-10-21): Updated CDA provided<br>Seller Comment (2025-10-21): Please see the attached CDA | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 849083 | xxxxxx | 34658011 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $432,493.00 is over disclosed by $66.30 compared to the calculated Amount Financed of $432,426.70 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a amount financed of $432,493.00; calculated finance charge is $432,426.70. Variance is $66.30. |  |  |  | Reviewer Comment (2025-10-24): SitusAMC received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Buyer Comment (2025-10-23): Please see attached. |  | 10/24/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| xxxxxx | 849083 | xxxxxx | 34658012 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $613,565.41 is under disclosed by $66.30 compared to the calculated Finance Charge of $613,631.71 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $613,565.41; calculated finance charge is $613,631.71. Variance is $66.30. |  |  |  | Reviewer Comment (2025-10-24): SitusAMC received LOE, Copy of refund Check, Corrected CD and proof of delivery. Separate exception set for tolling rescission from validations.<br>Buyer Comment (2025-10-23): Please see attached. |  | 10/24/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| xxxxxx | 849083 | xxxxxx | 34658018 | xxxxxx | 10/09/2025 | 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 (2025-10-22): FTP provided<br>Buyer Comment (2025-10-22): Please see title with coverage | 10/22/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 849083 | xxxxxx | 34658022 | xxxxxx | 10/09/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-10-22): FTP provided | 10/22/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 849083 | xxxxxx | 34658050 | xxxxxx | 10/09/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Courier / Express Mail / Messenger Fee, Title - Lender's Title Insurance, Title - Notary Fee | The provided Final CD in file does not reflect the Payee and/or Paid-to information due to which the Payee has been updated as UTD. |  |  |  | Reviewer Comment (2025-10-07): Client elects to waive |  |  | 10/07/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| xxxxxx | 849083 | xxxxxx | 34658065 | xxxxxx | 10/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | The provided CPA letter does not confirm whether the business has been in existence for a minimum of two(2) years. Provide an updated CPA letter including the above missing information dated at or prior to closing. |  |  |  | Reviewer Comment (2025-10-23): Updated CPA letter provided date prior to closing<br>Buyer Comment (2025-10-22): Please see attached update CPA Letter | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 849083 | xxxxxx | 34658072 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The provided CPA letter does not confirm whether the business has been in existence for a minimum of two(2) years. Provide an updated CPA letter including the above missing information dated at or prior to closing. |  |  |  | Reviewer Comment (2025-10-23): Updated CPA letter provided date prior to closing<br>Buyer Comment (2025-10-22): Please see attached update CPA Letter | 10/23/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxxxxx | 849083 | xxxxxx | 34658073 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The provided CPA letter does not confirm whether the business has been in existence for a minimum of two(2) years. Provide an updated CPA letter including the above missing information dated at or prior to closing. |  |  |  | Reviewer Comment (2025-10-23): Updated CPA letter provided date prior to closing<br>Buyer Comment (2025-10-22): Please see attached update CPA Letter | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 849083 | xxxxxx | 34665127 | xxxxxx | 10/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The PC-CD reflects a judgment that was paid off through closing not reflected on the Final CD. Provide the final stamped settlement statement to verify lien was paid through closing. |  |  |  | Reviewer Comment (2025-10-23): Final stamped settlement statement provided reflecting judgment paid through closing which matches PC-CD.<br>Buyer Comment (2025-10-22): Please see attached final settlement statement | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 849083 | xxxxxx | 34797125 | xxxxxx | 10/24/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | 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. |  |  |  | Reviewer Comment (2025-10-27): Received LOE to borrower, evidence of delivery to borrower and new executed RTC's re-opening rescission (which evidences delivery).<br>Buyer Comment (2025-10-27): Please see attached. |  | 10/27/2025 |  | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form C B | Non QM | Non QM | Yes |
| xxxxxx | 849146 | xxxxxx | 34657602 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.66062% or Final Disclosure APR of 8.66300% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-10-24): Updated documentation provided<br>Buyer Comment (2025-10-23): see appraisal delivery | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849146 | xxxxxx | 34657603 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  |  |  | Reviewer Comment (2025-10-24): Updated documentation provided<br>Buyer Comment (2025-10-23): see appraisal delivery | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849146 | xxxxxx | 34657634 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided |  |  |  | Reviewer Comment (2025-10-28): SitusAMC received disclosure summary.<br>Buyer Comment (2025-10-27): Please see attached<br>Reviewer Comment (2025-10-24): SitusAMC received rebuttal, however CD dated xxxxxx available in file without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is xxxxxx . Consummation date is xxxxxx . xxxxxx is day 1, xxxxxx is day 2. Please provide documentation if the CD was received xxxxxx (day 3) or earlier for review.<br>Buyer Comment (2025-10-23): appraisal delivery | 10/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| xxxxxx | 849146 | xxxxxx | 34657683 | xxxxxx | 10/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements | Provide xxxxxx bank account statement for the missing period xxxxxx - xxxxxx . As per the guideline, assets must be seasoned 90 days and must be the most recent three (3) months account statements.<br>Note: The provided bank account statements are for the xxxxxx - xxxxxx , xxxxxx - xxxxxx & xxxxxx - xxxxxx . |  |  |  | Reviewer Comment (2025-10-24): Document provided<br>Buyer Comment (2025-10-23): see statement | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849146 | xxxxxx | 34657696 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Provide xxxxxx bank account statement for the missing period xxxxxx - xxxxxx . As per the guideline, assets must be seasoned 90 days and must be the most recent three (3) months account statements.<br>Note: The provided bank account statements are for the xxxxxx - xxxxxx , xxxxxx - xxxxxx & xxxxxx - xxxxxx . |  |  |  | Reviewer Comment (2025-10-24): Documentation provided. Cleared<br>Buyer Comment (2025-10-23): see statement | 10/24/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxxxxx | 849146 | xxxxxx | 34657697 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provide xxxxxx bank account statement for the missing period xxxxxx - xxxxxx . As per the guideline, assets must be seasoned 90 days and must be the most recent three (3) months account statements.<br>Note: The provided bank account statements are for the xxxxxx - xxxxxx , xxxxxx - xxxxxx & xxxxxx - xxxxxx . |  |  |  | Reviewer Comment (2025-10-24): Documentation provided. Cleared<br>Buyer Comment (2025-10-23): see attached statement | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849148 | xxxxxx | 34667591 | xxxxxx | 10/02/2025 | 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 (2025-10-03): Provided and cleared.<br>Buyer Comment (2025-10-03): Final Title policy attached reflecting the coverage amount | 10/03/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| xxxxxx | 849148 | xxxxxx | 34667592 | xxxxxx | 10/02/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-10-03): Provided and cleared. | 10/03/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| xxxxxx | 849148 | xxxxxx | 34667595 | xxxxxx | 10/02/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) |  |  |  |  | Reviewer Comment (2025-10-01): Sufficient Cure Provided At Closing |  | 10/01/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxxxx | 849152 | xxxxxx | 34702256 | xxxxxx | 10/07/2025 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Funds from Business Account / Account Number: xxxxxx | 30-day (one month) statement does not meet all down payment and closing costs must sourced & seasoned in the last 60-days. |  |  |  | Reviewer Comment (2025-10-08): Provided and cleared.<br>Buyer Comment (2025-10-08): Kindly find the statement | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849152 | xxxxxx | 34702257 | xxxxxx | 10/07/2025 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | xxxxxx 30-day (one month) statement does not meet all down payment and closing costs must sourced & seasoned in the last 60-days. |  |  |  | Reviewer Comment (2025-10-08): Provided and cleared.<br>Buyer Comment (2025-10-08): Kindly find the statement | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849152 | xxxxxx | 34702258 | xxxxxx | 10/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding missing 60 days seasoning of assets used for down payment and closing, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-08): Provided and cleared. | 10/08/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxxxxx | 849152 | xxxxxx | 34702259 | xxxxxx | 10/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding missing 60 days seasoning of assets used for down payment and closing. |  |  |  | Reviewer Comment (2025-10-08): Provided and cleared.<br>Buyer Comment (2025-10-08): Kindly find the statement | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849152 | xxxxxx | 34702260 | xxxxxx | 10/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall finding missing 60 days seasoning of assets used for down payment and closing, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-08): Provided and cleared.<br>Buyer Comment (2025-10-08): Kindly find the statement | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849160 | xxxxxx | 34717588 | xxxxxx | 10/09/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-10-09): Waived per client guidance.<br>Buyer Comment (2025-10-09): We do not require an initial 1003 on business purpose loans |  |  | 10/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| xxxxxx | 849167 | xxxxxx | 34717582 | xxxxxx | 10/09/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-10-10): Waived per client guidance.<br>Buyer Comment (2025-10-10): You have this coded incorrectly as Consumer. Please fix this<br>Buyer Comment (2025-10-10): xxxxxx does not require an initial 1003 on business purpose loans |  |  | 10/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No |
| xxxxxx | 849190 | xxxxxx | 34720846 | xxxxxx | 10/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signor of the seller, xxxxxx. |  |  |  | Reviewer Comment (2025-10-22): Received LDP and GSA for authorized signor of the seller, xxxxxx. Exception cleared.<br>Buyer Comment (2025-10-21): xxxxxx please see attached.<br>Reviewer Comment (2025-10-21): Received OFAC search run on seller, xxxxxx. Therefore, provide updated Fraud Report or HUD/GSA/LDP search. Exception remains.<br>Buyer Comment (2025-10-17): xxxxxx please see clear seller-signer OFAC uploaded | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849190 | xxxxxx | 34721228 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | The Loan Estimate dated xxxxxx is signed and dated by borrower on xxxxxx . |  |  |  | Reviewer Comment (2025-10-20): SitusAMC received updated E-sign Consent agreement with eConsent accepted by borrower on xxxxxx .<br>Buyer Comment (2025-10-17): xxxxxx please see borrower's electronic consent uploaded | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 849190 | xxxxxx | 34721231 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $107.38 exceeds tolerance of $100.00. $7.38 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee increased from $100.00 on the initial Loan Estimate to $107.38 on the Loan Estimate dated xxxxxx without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-10-20): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-17): xxxxxx Lender response: please see attached and clear condition. This was cured at close. | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxxxxx | 849190 | xxxxxx | 34761551 | xxxxxx | 10/20/2025 | 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 $107.38 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-10-20): Sufficient Cure Provided At Closing |  | 10/20/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| xxxxxx | 849307 | xxxxxx | 34668172 | xxxxxx | 10/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 12 month VOM not provided for the property on xxxxxx. |  |  |  | Reviewer Comment (2025-10-15): Received Credit Supplement Report for the property on xxxxxx. Exception cleared.<br>Seller Comment (2025-10-13): Please see attached file. xxxxxx.<br>Reviewer Comment (2025-10-10): Received Credit Supplement reflects mortgages for the property located at xxxxxx. However the VOM requested is for the property located at xxxxxx. Exception remains.<br>Seller Comment (2025-10-09): Please see attached file. xxxxxx | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849314 | xxxxxx | 34600260 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | The CPA letter does not contain confirmation that they prepared the most recent 2 years tax return filing for the borrower's business. |  |  |  | Reviewer Comment (2025-10-16): Received CPA letter. Exception cleared.<br>Seller Comment (2025-10-15): Please see corrected date CPA letter attached :) xxxxxx.<br>Seller Comment (2025-10-13): xxxxxx team, We've provided the updated CPA Letter and it's issued on xxxxxx Since this is updated version, current date should not be an issue. Can you please clear the condition with the provided CPA letter? xxxxxx,<br>Reviewer Comment (2025-10-09): The CPA letter is dated post-close and not acceptable.<br>Seller Comment (2025-10-08): Please see updated CPA letter. xxxxxx :) | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 849314 | xxxxxx | 34600778 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The CPA letter does not contain confirmation that they prepared the most recent 2 years tax return filing for the borrower's business. |  |  |  | Reviewer Comment (2025-10-16): Updated CPA letter provided<br>Seller Comment (2025-10-15): Please see corrected date CPA letter attached :) xxxxxx.<br>Seller Comment (2025-10-13): xxxxxx team, We've provided the updated CPA Letter and it's issued on xxxxxx Since this is updated version, current date should not be an issue. Can you please clear the condition with the provided CPA letter? xxxxxx,<br>Reviewer Comment (2025-10-09): The CPA letter is dated post-close and not acceptable.<br>Seller Comment (2025-10-08): Please see update CPA letter. xxxxxx :) | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 849319 | xxxxxx | 34606915 | xxxxxx | 10/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $1,803,133.25 is under disclosed by $242.95 compared to the calculated total of payments of $1,803,376.20 which exceeds the $35.00 threshold. (Final xxxxxx) | Final Closing Disclosure disclosed a TOP of $1,803,133.25 calculated TOP is $1,803,376.20. Variance is $242.95. PC- CD received. Pending receipt of the remaining cure provisions: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, and Re-open Rescission. |  |  |  | Reviewer Comment (2025-10-24): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2025-10-23): I have completed the cure and uploaded all the requested documents. Please review and clear the conditions at your earliest convenience. xxxxxx.<br>Reviewer Comment (2025-10-07): SitusAMC recognizes that fees can be updated in dry funding state, however, testing methodology generally remains the same. Creditors are required to disclose CDs based on best information reasonably known to the creditor at time of disclosure. This best information reasonably available standard requires the creditor to exercise due diligence in obtaining the information. Similar to pre-TRID reviews or reviews of loans not subject to TRID, the APR, Finance Charge, TOP and other material disclosures disclosed on the TIL Disclosure provided at consummation are compared to the actual APR, Finance Charge and TOP at consummation (using the fees from the final HUD in file which could be dated post consummation on a dry state). The accuracy of material disclosures is based on the disclosures provided at or before consummation, not based on a TIL provided post consummation. SitusAMC reviews pursuant to the SFA TRID Grid, Additional Considerations, Row 20, which provides: <br>Post Close CD - Material Disclosures Accuracy Test: Prior to TRID, material disclosures disclosed on the final TIL provided to the borrower at or before closing are compared to figures disclosed on most recent HUD-1 (issued pre or post close). Similarly, for TRID loans, TPRs will assume at initial review that fee changes reflected on PCCDs are corrections (similar to corrected HUD-1s), not updates of fees resulting from changes occurring after closing (lender incorrectly disclosed fees they were aware of or should have been aware of on final CD and issued a PCCD reflecting actual fees that should have been disclosed on final CD). Accordingly, TPR will calculate the APR, Finance Charge and TOP based on corrected fees on PCCD and cite exceptions if APR, Finance Charge and TOP disclosed on final CD are inaccurate based on fees shown on PCCD, an xxxxxx exception will be cited if APR, Finance Charge, TOP on final CD are outside of tolerance for accuracy based on fees on most recent PCCD issued within 60 days of consummation (PCCD greater than 60 days from consummation will require accompanying xxxxxx settlement statement to confirm figures disclosed to be used for testing) unless: 1) discrepancy results from change in interim interest due to difference in anticipated vs. actual disbursement date; or 2) there is a corresponding lender credit/cure for the amount of the increase in fees paid by borrower reflected on PCCD; Otherwise, TILA 130(b) correction with LOE, refund or adjustment to ensure borrower does not pay more than amount disclosed, and proof of delivery required to cure to xxxxxx. For rescindable transactions, re-opening of rescission and proof of receipt by borrower also required.<br>If changes in fee amounts reflected on the PCCD result from events that occurred after closing not reasonably known to the creditor at time of disclosure of the final CD after exercising diligence in obtaining such information, SitusAMC will review and consider an LOE, attestation, and documentation supporting fee changes are based on post consummation events that could not reasonably be known to creditor and that the disclosed figures were correct at the time of consummation.<br>Seller Comment (2025-10-06): The Section C amount increased due to the endorsement fee; however, it is 'Borrower Did Shop For'. Also, this is a dry state, the fee can change after closing but before funding. Could you please review this and confirm if the condition can be waived? xxxxxx. |  | 10/24/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 849319 | xxxxxx | 34639138 | xxxxxx | 10/06/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Payoff not provided |  |  |  | Reviewer Comment (2025-10-03): Client elects to waive |  |  | 10/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849321 | xxxxxx | 34599427 | xxxxxx | 10/03/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2025-10-09): FTP provided | 10/09/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| xxxxxx | 849321 | xxxxxx | 34599447 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification, Insurance Verification | Missing Hazard Insurance Policy and HOA for property on xxxxxx. |  |  |  | Reviewer Comment (2025-10-16): DOT provided which matches lender name and date which shows a typo in the loan amount recorded. Should be xxxxxx<br>Seller Comment (2025-10-14): Our underwriter has confirmed that the lien amount of xxxxxx shown in the Property History Report was recorded in error. The correct lien amount is xxxxxx. The Deed of Trust for xxxxxx has been uploaded as supporting documentation for verification.<br>Reviewer Comment (2025-10-09): Received Hazard Insurance and HOA for property on xxxxxx. However received Property History report reflects mortgage lien in amount of xxxxxx that does not appear on credit report to verify the lien is released. Provide document to verify the lien is released or documentation will be required. Exception remains.<br>Seller Comment (2025-10-08): Please see the attached documents for xxxxxx and the updated 1003. xxxxxx | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| xxxxxx | 849321 | xxxxxx | 34618133 | xxxxxx | 10/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | 1) Please provide evidence of Hazard and evidence property is free and clear for the property at xxxxxx. 2) Final 1003 has the mortgage on the xxxxxx associated to the xxxxxx property. Provide evidence if loan is cross collateralized with both properties. If not, please provide a corrected final 1003 associating the proper mortgages. |  |  |  | Reviewer Comment (2025-10-28): Received LOX for not having HOI Policy. Exception cleared.<br>Seller Comment (2025-10-27): Uploaded the borrower's Letter of Explanation stating that there is no insurance for xxxxxx, as the property is land only and does not requiring hazard coverage. Please review and advise if this satisfies the remaining insurance condition. xxxxxx<br>Reviewer Comment (2025-10-23): Received Note to verify the property is cross collateral. Pending Receipt of HOI policy for xxxxxx. Exception remains.<br>Seller Comment (2025-10-22): We've provided the Note for xxxxxx and the Deed of Trust for xxxxxx.<br> Please take a look at the Exhibit A section of the DOT — it references both properties, xxxxxx and xxxxxx.<br> The Note for xxxxxx also includes a cross-collateralization clause, and together these documents confirm the cross-collateralized structure between the two properties.<br> Could you please review once more and advise if this verbiage is sufficient to clear the condition? xxxxxx.<br>Reviewer Comment (2025-10-19): Received Deed of Trust is to verify the mortgage lien reflected on property history report had incorrect amount. Please provide Note to verify the loan is cross collateralized or the propertie at xxxxxx. Provide, HOI policy for the property located at xxxxxx. Exception remains.<br>Seller Comment (2025-10-17): We've provided the Deed of Trust and TIA for xxxxxx, and the condition regarding xxxxxx has been cleared. The last remaining condition is for xxxxxx. Could you please confirm what additional document(s) are still required to clear this condition besides the EOI? It would be helpful if you could specify this so we can address your concern accurately and provide the exact documentation needed. xxxxxx for your time and guidance!<br>Reviewer Comment (2025-10-08): Received Property History Report for the property located at xxxxxx Provide evidence of HOI policy and Note to verify the mortgage on the xxxxxx associated to the xxxxxx and the loan is cross collateralized. Exception remains.<br>Seller Comment (2025-10-07): The attached LOE is from the borrower during the UW review that confirms that xxxxxx is collateral for xxxxxx Also attached Property Detail showing no recorded mortgage on the xxxxxx, supporting that it is free and clear. Please review and let us know if you have further concerns. xxxxxx | 10/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| xxxxxx | 849321 | xxxxxx | 34630663 | xxxxxx | 10/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. 2 judgments on title not addressed (#6, #7) |  |  |  | Reviewer Comment (2025-10-09): Clear FTP provided<br>Seller Comment (2025-10-08): Please see the attached Final Title Policy. xxxxxx | 10/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| xxxxxx | 849321 | xxxxxx | 34630706 | xxxxxx | 10/03/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | The LOE from the borrower notes the subject property is his primary residence. But then goes on to say home will be retained as an investment. The 1003 reflects borrower has been living at the property on xxxxxx for 11 years. Loan is a business purpose investment. | 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. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-20): The client elects to waive.<br>Buyer Comment (2025-10-16): 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 - Residual income more than 2x the amount required by guidelines<br>Reviewer Comment (2025-10-09): Assigned to investor. Investor to advise if they are accepting the revised borrower LOE in regards to C/O to keep the loan business purpose.<br>Seller Comment (2025-10-08): Please see the attached correct LOE stating the reason for cash-out refinance of the investment property at xxxxxx. xxxxxx |  |  | 10/20/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| xxxxxx | 849329 | xxxxxx | 34755351 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Provide the tax cert with tax rate as per 1008, lender considered 1.332567%. |  |  |  | Reviewer Comment (2025-10-23): Received Tax Certificate with tax rate 1.332567%. Exception cleared.<br>Buyer Comment (2025-10-23): Please see attached. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 849434 | xxxxxx | 34778169 | xxxxxx | 10/23/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal Transfer Letter not provided in file from xxxxxx to Lender. Copy of invoice and proof of delivery required as well from the original lender.. | 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. |  | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-22): Client elects to waive |  |  | 10/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849449 | xxxxxx | 34667425 | xxxxxx | 10/09/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The borrower's bank statement xxxxxx-2000 reflects and additional deposit from the donor on the existing gift letters for $23,000 on xxxxxx Gift letter was not provided. |  |  |  | Reviewer Comment (2025-10-20): Received Gift Letter. Exception cleared.<br>Seller Comment (2025-10-19): Please kindly review the attached document and help clear the condition.<br>Seller Comment (2025-10-16): Please find attached gift letter.<br>Reviewer Comment (2025-10-13): The condition cannot be waived and is regards to assets needed vs. income. As noted in the original condition, the borrower's bank statement xxxxxx-2000 reflects and additional deposit from the donor on the existing gift letters for $23,000 on xxxxxx Gift letter was not provided.<br>Seller Comment (2025-10-13): This is PNL file. Please be noted that we don't need a gift letter for that transaction since this program does not require the deposit source. Please kindly waive the condition. | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 849495 | xxxxxx | 34723581 | xxxxxx | 10/16/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Other | Provide evidence property is free and clear and evidence of insurance. |  |  |  | Reviewer Comment (2025-10-20): Received property history report. Exception cleared.<br>Buyer Comment (2025-10-16): Please see attached Property Report. | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 849495 | xxxxxx | 34723590 | xxxxxx | 10/16/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence property is free and clear. |  |  |  | Reviewer Comment (2025-10-24): Received Property History Report to verify property free and clear. Exception cleared.<br>Buyer Comment (2025-10-22): Please see attached Property Profile.<br>Reviewer Comment (2025-10-20): Received Tax document which was already in file. Provide evidence property is free and clear. Exception remains.<br>Buyer Comment (2025-10-16): Please see attached only Taxes and Insurance. | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 849521 | xxxxxx | 34678558 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  |  |  | Reviewer Comment (2025-10-15): PDI received dated xxxxxx. No Damage<br>Reviewer Comment (2025-10-13): PDI will be ordered<br>Buyer Comment (2025-10-13): Please order PDI | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849521 | xxxxxx | 34678669 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx) | 2023 extensions not provided |  |  |  | Reviewer Comment (2025-10-10): Client elects to waive |  |  | 10/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849521 | xxxxxx | 34701970 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. (7552) | Fee was not added to closing and subject to appraisal received xxxxxx Outside of the 3 days of discovery. |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive |  |  | 10/13/2025 | 2 | B | 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 | Non QM | Non QM | Yes |
| xxxxxx | 849521 | xxxxxx | 34716189 | xxxxxx | 10/13/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Post Disaster Inspection + xxxxxx - 2 Days |  |  |  | Reviewer Comment (2025-10-15): PDI received dated xxxxxx. No Damage<br>Reviewer Comment (2025-10-14): Valuation Received - xxxxxx  | 10/15/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849535 | xxxxxx | 34730300 | xxxxxx | 10/20/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Other, Statement | Borrower is purchasing new primary property located at xxxxxx. Therefore provided final Closing Disclosure or First Payment Letter to verify the PITIA. |  |  |  | Reviewer Comment (2025-10-22): Received First Payment Letter to verify PTIIA. Exception cleared.<br>Seller Comment (2025-10-20): Please see the payment letter to borrower attached. | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 849538 | xxxxxx | 34671669 | xxxxxx | 10/09/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide Final xxxxxx D-1 or First Payment letter to verify the final loan terms and PITIA payments of the property. The provided document i.e. Loan Estimate is not sufficient. |  |  |  | Reviewer Comment (2025-10-13): Received Final CD. Exception cleared.<br>Seller Comment (2025-10-10): Please see attached file. xxxxxx | 10/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| xxxxxx | 849540 | xxxxxx | 34721203 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property from the individuals to the Trust. |  |  |  | Reviewer Comment (2025-10-17): Received Quitclaim deed transferring the property from the individuals to the Trust. Exception cleared.<br>Seller Comment (2025-10-16): Please find attached Deed. | 10/17/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxxxxx | 849540 | xxxxxx | 34721216 | xxxxxx | 10/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement | Most recent Calendar Year end P&L and current Year-to-date P&L through most recent month end, prior to application. P&L through xxxxxx and application date xxxxxx . P&L should be through 8/2025. |  |  |  | Reviewer Comment (2025-10-17): Received P&L dated xxxxxx . Exception cleared.<br>Seller Comment (2025-10-15): Please find attached income documents updated. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No |
| xxxxxx | 849547 | xxxxxx | 34732427 | xxxxxx | 10/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Project Investor concentration of 69% exceeds the max allowed per guidelines of 60%. An investor request was previously granted with a loan amount of xxxxxx however, the subject loan amount is xxxxxx. Please provide an updated Investor exception. |  |  |  | Reviewer Comment (2025-10-24): xxxxxx approved. Cleared<br>Buyer Comment (2025-10-23): See xxxxxx | 10/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849547 | xxxxxx | 34732429 | xxxxxx | 10/20/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx B Other 2 | Line item in section B for "HOA Ins Cert" does not list a payee. TBD is not acceptable. |  |  |  | Reviewer Comment (2025-10-22): Client elects to waive |  |  | 10/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| xxxxxx | 849547 | xxxxxx | 34732430 | xxxxxx | 10/20/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-10-22): Received Final Title Policy. Exception cleared. | 10/22/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849547 | xxxxxx | 34732465 | xxxxxx | 10/20/2025 | 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 (2025-10-22): Received Final Title Policy. Exception cleared.<br>Buyer Comment (2025-10-22): title policy | 10/22/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849547 | xxxxxx | 34732486 | xxxxxx | 10/20/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  |  | Reviewer Comment (2025-10-23): Received gap credit report. Exception cleared.<br>Buyer Comment (2025-10-22): Please see attached Gap Report. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849589 | xxxxxx | 34688729 | xxxxxx | 10/10/2025 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Borrower's LOE states they took out new debt with xxxxxx. xxxxxx reports on credit but not xxxxxx. Provide the statement to be added to DTI. |  |  |  | Reviewer Comment (2025-10-22): Received LOX from borrower. Exception cleared.<br>Buyer Comment (2025-10-20): See LOE<br>Reviewer Comment (2025-10-16): The statement received is for the xxxxxx. Please provide the statement for xxxxxx, so that the new debt must be added to DTI. Exception remains.<br>Buyer Comment (2025-10-14): xxxxxx statement is the document requested. | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 849626 | xxxxxx | 34746823 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-17): Client elects to waive |  |  | 10/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849683 | xxxxxx | 34715932 | xxxxxx | 10/15/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Hazarad Insurance Verification is missing for xxxxxx. Fee and clear does not automatically mean no HOI. |  |  |  | Reviewer Comment (2025-10-17): Received letter of explanation that there is no current HOI on the property. Exception cleared.<br>Seller Comment (2025-10-16): Please see attached bwr LOX regarding no HOI on this REO xxxxxx | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849683 | xxxxxx | 34716077 | xxxxxx | 10/15/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | xxxxxx Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Reviewer Comment (2025-10-15): Client elects to waive |  |  | 10/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849683 | xxxxxx | 34716078 | xxxxxx | 10/15/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold Test Non-Compliant | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 8.34035% or Final Disclosure APR of 8.41200% is equal to or greater than the threshold of APOR 6.31% + 1.5%, or 7.81000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-10-15): Client elects to waive |  |  | 10/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849683 | xxxxxx | 34733171 | xxxxxx | 10/15/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Counseling Agencies Disclosure Not in File | xxxxxx HB1399 - No evidence of required counseling disclosure language per xxxxxx HB 1399. |  |  |  |  | Reviewer Comment (2025-10-15): Client elects to waive |  |  | 10/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 849739 | xxxxxx | 34773694 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  |  |  |  |  | Reviewer Comment (2025-10-29): Received Rider - Condo. Exception cleared.<br>Seller Comment (2025-10-28): Please see attached CONDO rider was scanned but out of order in the delivery docs to you<br>Seller Comment (2025-10-27): Please see attached | 10/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849739 | xxxxxx | 34773917 | xxxxxx | 10/24/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-24): Client elects to waive |  |  | 10/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849739 | xxxxxx | 34773925 | xxxxxx | 10/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Only the Final CD was provided |  |  |  | Reviewer Comment (2025-10-28): SitusAMC received xxxxxx Initial CD, 3 business days prior to the consummation.<br>Seller Comment (2025-10-27): Please see attached | 10/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849739 | xxxxxx | 34773937 | xxxxxx | 10/24/2025 | 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 $9,704.37 may be required. | LE's not provided |  |  |  | Reviewer Comment (2025-10-28): SitusAMC received initial LE dated xxxxxx .<br>Seller Comment (2025-10-27): See attached | 10/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849739 | xxxxxx | 34773944 | xxxxxx | 10/24/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2025-10-27): E-consent proivded<br>Seller Comment (2025-10-27): See attached | 10/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849739 | xxxxxx | 34811962 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement Service Provider List missing in the loan file. |  |  |  | Reviewer Comment (2025-10-29): SitusAMC received SSPL | 10/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849739 | xxxxxx | 34811963 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,668.00 exceeds tolerance of $4,318.00 plus 10% or $4,749.80. $918.20 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Unable to determine from the file whether the borrower shopped for service. The file does not contain a "SSPL". Tolerance category will be reevaluated when SPPL is received. |  |  |  | Reviewer Comment (2025-10-29): SitusAMC received SSPL<br>Seller Comment (2025-10-28): Please see attached SSPL | 10/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 849949 | xxxxxx | 34743464 | xxxxxx | 10/22/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-10-28): Received Supplement report with coverage amount. Exception cleared.<br>Buyer Comment (2025-10-27): Please see attached. | 10/28/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849949 | xxxxxx | 34743528 | xxxxxx | 10/22/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-22): Client elect to waive |  |  | 10/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 849949 | xxxxxx | 34743530 | xxxxxx | 10/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $439.95 exceeds tolerance of $350.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  |  | Reviewer Comment (2025-10-16): Sufficient Cure Provided At Closing |  | 10/16/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 849949 | xxxxxx | 34777763 | xxxxxx | 10/22/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal in file has a completion date post-close. Provide the pre-close appraisal. |  |  |  | Reviewer Comment (2025-10-29): Received pre-close appraisal. Exception cleared.<br>Buyer Comment (2025-10-27): Please see attached. | 10/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 850024 | xxxxxx | 34704312 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,600.00 exceeds tolerance of $0.00. $3,600.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Point was not disclosed on the Loan Estimate, but was disclosed as $3,600.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $3,600.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-20): SitusAMC received valid changed circumstance.<br>Buyer Comment (2025-10-16): Please see attached COC/CD. | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| xxxxxx | 850024 | xxxxxx | 34725427 | xxxxxx | 10/14/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Provide the updated appraisal. Appraisal notes HOA dues of $870 annually, however per HOA cert, HOA dues are $230/month or $2,760/annually. |  |  |  | Reviewer Comment (2025-10-22): Received Updated Appraisal. Exception cleared.<br>Buyer Comment (2025-10-20): Please see attached. | 10/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| xxxxxx | 850028 | xxxxxx | 34679785 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-10): Client elects to waive |  |  | 10/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No |
| xxxxxx | 850028 | xxxxxx | 34679792 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $225.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxxxx | 850028 | xxxxxx | 34679891 | xxxxxx | 10/10/2025 | 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 (2025-10-15): Received Title Supplement report with coverage amount. Exception cleared.<br>Buyer Comment (2025-10-14): Please see attached. | 10/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No |
| xxxxxx | 850029 | xxxxxx | 34680125 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-09): Client elects to waive |  |  | 10/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 850029 | xxxxxx | 34680136 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  |  |  | Reviewer Comment (2025-10-17): SitusAMC received xxxxxx Initial CD, 3 business days prior to the consummation.<br>Buyer Comment (2025-10-16): Please see attached. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| xxxxxx | 850029 | xxxxxx | 34680137 | xxxxxx | 10/10/2025 | 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 $18,136.70 may be required. | LE's not provided |  |  |  | Reviewer Comment (2025-10-17): SitusAMC received initial LE dated xxxxxx .<br>Buyer Comment (2025-10-16): Please see attached. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| xxxxxx | 850029 | xxxxxx | 34680154 | xxxxxx | 10/10/2025 | 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 (2025-10-17): Received Supplement Report with coverage amount. Exception cleared.<br>Buyer Comment (2025-10-16): Please see attached. | 10/17/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 850029 | xxxxxx | 34680175 | xxxxxx | 10/10/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 7.34 is less than Guideline PITIA months reserves of 12.00. | Short reserves. Note: LTV >85% requires 12 months of reserves. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-21): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-10-21): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - Residual income more than 2x the amount required by guidelines |  |  | 10/21/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 850029 | xxxxxx | 34680195 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves. |  |  |  | Reviewer Comment (2025-10-21): Loan designation updated to non-qm. Condition no longer applies. | 10/21/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| xxxxxx | 850029 | xxxxxx | 34680196 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves. |  |  |  | Reviewer Comment (2025-10-21): Loan designation updated to non-qm. Condition no longer applies. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxxxx | 850030 | xxxxxx | 34684668 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | Escrow impounds are required on HPML loans. |  |  |  | Reviewer Comment (2025-10-16): Rate lock date and rate provided. Retested and falls out of HPML. Condition no longer applies.<br>Buyer Comment (2025-10-16): Correct lock. Please re-test.<br>Reviewer Comment (2025-10-15): Rat4e lock provided does not appear to be for the subject property. Seller loan number does not match, loan amount locked does not match, borrower name does not match.<br>Buyer Comment (2025-10-15): Please see attached rate lock and please re-test. | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 850030 | xxxxxx | 34684669 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.72447% or Final Disclosure APR of 7.73700% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Non-Compliant Higher Priced Mortgage Loan. | Escrow impounds are required on HPML loans. |  |  |  | Reviewer Comment (2025-10-16): Rate lock date and rate provided. Retested and falls out of HPML. Condition no longer applies.<br>Buyer Comment (2025-10-16): Correct lock. Please re-test.<br>Reviewer Comment (2025-10-15): Rat4e lock provided does not appear to be for the subject property. Seller loan number does not match, loan amount locked does not match, borrower name does not match.<br>Buyer Comment (2025-10-15): Please see attached rate lock and please re-test. | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 850030 | xxxxxx | 34684670 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-16): Rate lock date and rate provided. | 10/16/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 850030 | xxxxxx | 34684671 | xxxxxx | 10/10/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML) xxxxxx Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | xxxxxx Higher-Priced Loan: APR on subject loan of 7.72447% or Final Disclosure APR of 7.73700% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%. Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-10-16): Rate lock date and rate provided. Retested and falls out of HPML. Condition no longer applies. | 10/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | The cure available on a xxxxxx HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:<br>Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 850030 | xxxxxx | 34686979 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  |  |  | Reviewer Comment (2025-10-17): Received HUD/LDP/GSA/OFAC search for seller. Exception cleared.<br>Buyer Comment (2025-10-15): Please see attached. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 850033 | xxxxxx | 34678476 | xxxxxx | 10/10/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx Complaint Agency Disclosure Timing Testing | xxxxxx Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Application date xxxxxx Disclosure signed xxxxxx. |  |  |  | Reviewer Comment (2025-10-28): A Print Copy Transaction Log was provided showing that the Disclosure was mailed on xxxxxx <br>Reviewer Comment (2025-10-24): No additional documentation provided. xxxxxx initial signature was not until xxxxxx<br>Buyer Comment (2025-10-24): Please see attached.<br>Reviewer Comment (2025-10-15): There is no second borrower on this loan. Only xxxxxx is the borrower on the loan. xxxxxx did not consent to received disclosures xxxxxx and signed xxxxxx.<br>Buyer Comment (2025-10-14): Borrower 2 signed all application documents on xxxxxx Borrower 1 did not sign until xxxxxx. | 10/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 850033 | xxxxxx | 34678477 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  |  |  | Reviewer Comment (2025-10-15): SitusAMC received earliest e-consent.<br>Buyer Comment (2025-10-14): Borrower 2 acknowledged and signed the initial disclosures xxxxxx Borrower 1 did not sign until xxxxxx. | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 850058 | xxxxxx | 34794190 | xxxxxx | 10/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  |  | Reviewer Comment (2025-11-03): Received Credit Report - Gap. Exception cleared.<br>Buyer Comment (2025-10-31): Please see attached GAP Report. | 11/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 850058 | xxxxxx | 34794191 | xxxxxx | 10/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-11-03): Received Fraud and Exclusionary report. Exception cleared.<br>Buyer Comment (2025-10-31): Please see attached Fraud/Exclusionary report. | 11/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No |
| xxxxxx | 850164 | xxxxxx | 34700469 | xxxxxx | 10/14/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Per the VOR in file, the borrower is currently rents their primary residence. 1003 reflects No Primary Housing. Provide the corrected 1003. |  |  |  | Reviewer Comment (2025-10-15): Corrected 1003 provided<br>Seller Comment (2025-10-15): Please see attached file. xxxxxx | 10/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 850164 | xxxxxx | 34716829 | xxxxxx | 10/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Private party VOR was provided. Missing 6 months cancelled checks or bank statements to confirm payment. VOR just states landlord is "Owner" and the individual gave themself a title of property manager which is not acceptable. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-31): The client elects to waive.<br>Buyer Comment (2025-10-31): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines / Compensating Factor 3 - Self-employed for > 5 years<br>Seller Comment (2025-10-27): xxxxxx team, Could you please provide an update for this condition? xxxxxx.<br>Reviewer Comment (2025-10-22): VOR is not from an institution as the VOR states owner and is signed by an individual that gave them themself the title of property manager. 6 months borrower payments required. Lender would like to waive. Assigned to investor.<br>Seller Comment (2025-10-21): xxxxxx team, Can you please grant an exception on using 'cash payment' for VOR? As previously stated, 6 months payment history is not required since VOR is from institution. xxxxxx,<br>Reviewer Comment (2025-10-19): Received VOR part 1 reflects Owner. If lender or landlord is not an institution but a private party, 6 months cancelled checks or bank statements are required to support payment history. Per guidelines, Cash payments are not acceptable. Exception remains.<br>Seller Comment (2025-10-16): The six months payment history was not required in the beginning as the VOR was provided from the property management company. As you can see the receipts of rental payments, the management company name is clearly shown. Moreover, what other documents can be provided in this case to satisfy the guidelines? If the guidelines stand strictly without having any exception for occupants who paid rents with cash, this would be so unfair as they cannot provide those. Please see attached file. xxxxxx.<br>Reviewer Comment (2025-10-15): The guidelines state 6 months cancelled checks or bank statements are required or other cash exchange apps (i.e xxxxxx). Guidelines do not allow cash receipts.<br>Seller Comment (2025-10-15): We are unable to provide the 6-month payment proof for the VOR, because the borrower has been making payments in cash only, so no bank statements or cancelled checks are available. Therefore, we have uploaded receipts instead.<br> As you can see from the attached documents, the signature on the VOR matches the person who provided the receipts, and the property manager's information is detailed as shown in the document. Please review and waive this condition. xxxxxx. |  |  | 10/31/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 850194 | xxxxxx | 34755856 | xxxxxx | 10/23/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-23): Client elects to waive |  |  | 10/23/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No |
| xxxxxx | 850273 | xxxxxx | 34776841 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing third party verification of cleaning services business within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-16): Provided and cleared.<br>Buyer Comment (2025-10-16): Please find attached the business invoices and documentation of completed work as verification of the borrower's cleaning services and business operations, which were verified within 10 business days of closing.<br>Reviewer Comment (2025-10-14): Guidelines require verification within 10 business days, timing req. not met.<br>Buyer Comment (2025-10-14): xxxxxx Team, kindly find the attached Tax receipt and LOE for same. | 10/16/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| xxxxxx | 850273 | xxxxxx | 34776842 | xxxxxx | 10/10/2025 | 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 Services/Bank Statements) | Waterfall due to missing third party verification of cleaning services business within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-16): Provided and cleared.<br>Buyer Comment (2025-10-16): Please find attached the business invoices and documentation of completed work as verification of the borrower's cleaning services and business operations, which were verified within 10 business days of closing.<br>Reviewer Comment (2025-10-14): Guidelines require verification within 10 business days, timing req. not met.<br>Buyer Comment (2025-10-14): xxxxxx Team, kindly find the attached Tax receipt and LOE for same. | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 850273 | xxxxxx | 34776843 | xxxxxx | 10/10/2025 | 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 Services/Bank Statements) | Waterfall due to missing third party verification of cleaning services business within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-16): Provided and cleared.<br>Buyer Comment (2025-10-16): Please find attached the business invoices and documentation of completed work as verification of the borrower's cleaning services and business operations, which were verified within 10 business days of closing.<br>Reviewer Comment (2025-10-14): Guidelines require verification within 10 business days, timing req. not met.<br>Buyer Comment (2025-10-14): xxxxxx Team, kindly find the attached Tax receipt and LOE for same. | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 850273 | xxxxxx | 34776844 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing third party verification of cleaning services business within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-16): Provided and cleared. | 10/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 850273 | xxxxxx | 34776845 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,342.00 exceeds tolerance of $974.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing |  | 10/10/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| xxxxxx | 850273 | xxxxxx | 34776846 | xxxxxx | 10/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Missing third party verification of cleaning services business within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-16): Provided and cleared.<br>Buyer Comment (2025-10-16): Please find attached the business invoices and documentation of completed work as verification of the borrower's cleaning services and business operations, which were verified within 10 business days of closing. | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 850273 | xxxxxx | 34776847 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing third party verification of cleaning services business within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-16): Provided and cleared.<br>Buyer Comment (2025-10-16): Please find attached the business invoices and documentation of completed work as verification of the borrower's cleaning services and business operations, which were verified within 10 business days of closing.<br>Reviewer Comment (2025-10-14): Guidelines require verification within 10 business days, timing req. not met.<br>Buyer Comment (2025-10-14): xxxxxx Team, kindly find the attached Tax receipt and LOE for same. | 10/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| xxxxxx | 850274 | xxxxxx | 34812125 | xxxxxx | 10/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $377.00 exceeds tolerance of $322.00 plus 10% or $354.20. $22.80 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Recording Fee increased from $322.00 to $377.00 without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2025-10-22): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-10-21): Kindly find the attached<br>Reviewer Comment (2025-10-15): SitusAMC received COC dated xxxxxx and xxxxxx the reason mentioned is not valid. Kindly provide a valid COC as to why the recording fee increased on CD dated xxxxxx for $343 and also on CD dated xxxxxx for $377. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-10-14): Initial disclosures reflected the recording fees as $322.00. On xxxxxx , we sent a COC CD with recording fees of $343.00 (increase does not exceed 10% tolerance threshold). On xxxxxx , there was another COC CD sent to the borrower reflecting the recording charges of $377.00 (increase does not exceed 10% tolerance threshold from re-disclosure from xxxxxx). |  | 10/22/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| xxxxxx | 850279 | xxxxxx | 34781837 | xxxxxx | 10/16/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-10-20): Short form provided and cleared. | 10/20/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| xxxxxx | 850279 | xxxxxx | 34781838 | xxxxxx | 10/16/2025 | 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 (2025-10-20): Short form provided and cleared.<br>Buyer Comment (2025-10-20): Attached is the title policy reflecting the coverage amount. | 10/20/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| xxxxxx | 850281 | xxxxxx | 34735752 | xxxxxx | 10/13/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing Initial 1003 Loan Application. |  |  |  | Reviewer Comment (2025-10-13): Waived per client guidance.<br>Buyer Comment (2025-10-13): we do not require a 1003 for business purpose loans |  |  | 10/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No |
| xxxxxx | 850284 | xxxxxx | 34702251 | xxxxxx | 09/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $185.00 exceeds tolerance of $0.00. $185.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $185.00 exceeds tolerance of $0.00. $185.00 over legal limit. No valid COC and Insufficient or no cure was provided to the borrower for the addition of this fee. |  |  |  | Reviewer Comment (2025-10-04): Provided and cleared.<br>Buyer Comment (2025-10-03): Attached, please find the revised LE that we sent out to re-disclose for the appraisal reinspection fee of $185.00. Invoice for the 1004D was uploaded and received on xxxxxx .<br>Buyer Comment (2025-10-03): The attached document is also in the credit package that was submitted | 10/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxxxxx | 850288 | xxxxxx | 34781847 | xxxxxx | 10/16/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $111,308.53 is less than Cash From Borrower $116,481.29. | Documented qualifying Assets for Closing of $111,308.53 is less than Cash From Borrower $116,481.29. Available for Closing is insufficient to cover Cash From Borrower. |  |  |  | Reviewer Comment (2025-10-21): After further review, exception cleared.<br>Buyer Comment (2025-10-20): How did Situs calculate the funds to close? The borrower deposited $50k to escrow, there was a gift of $45k and between the xxxxxx statements, the borrower had more than enough funds to cover the remaining funds in for due for their down payment. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 850288 | xxxxxx | 34781848 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Initial LE is not signed and doc tracking is not provided to show earlier receipt. |  |  |  | Reviewer Comment (2025-10-21): After further review, exception cleared.<br>Buyer Comment (2025-10-21): E- Signed Initial disclosures.<br>Reviewer Comment (2025-10-21): Initial LE is not signed and doc tracking is not provided to show earlier receipt.<br>Buyer Comment (2025-10-20): Attached is the initial disclosure package sent to the borrower. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 850304 | xxxxxx | 34702264 | xxxxxx | 10/07/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Missing xxxxxx mortgage statement verifying xxxxxx payment for departure residence includes escrows for hazard insurance and property taxes. |  |  |  | Reviewer Comment (2025-10-07): Provided and cleared.<br>Buyer Comment (2025-10-07): Attached is the xxxxxx reflecting impounds. | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 850311 | xxxxxx | 34776855 | xxxxxx | 10/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. Loan Estimate has a signature date xxxxxx . |  |  |  | Reviewer Comment (2025-10-17): After further review, exception cleared.<br>Reviewer Comment (2025-10-17): Exception pertains to revised LE issued xxxxxx not initial LE issued xxxxxx Exception remains.<br>Buyer Comment (2025-10-17): See the attached initial disclosure package for clearance. | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| xxxxxx | 850321 | xxxxxx | 34781841 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Only VVOE for B2 is post-close, not allowed for Non QM loans, please provide VOE dated prior to close. |  |  |  | Reviewer Comment (2025-10-20): VOE same day as disb, cleared.<br>Buyer Comment (2025-10-20): The attached VVOES are dated the same day that the loan funded on xxxxxx . The TPR data that we provided reflects this funding date. We needed updated VVOE's to fund. | 10/20/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| xxxxxx | 850321 | xxxxxx | 34781842 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | Only VVOE for B2 is post-close, not allowed for Non QM loans, please provide VOE dated prior to close. |  |  |  | Reviewer Comment (2025-10-20): VOE same day as disb, cleared.<br>Buyer Comment (2025-10-20): The attached VVOES are dated the same day that the loan funded on xxxxxx . The TPR data that we provided reflects this funding date. We needed updated VVOE's to fund. | 10/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 850321 | xxxxxx | 34781843 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Only VVOE for B2 is post-close, not allowed for Non QM loans, please provide VOE dated prior to close. |  |  |  | Reviewer Comment (2025-10-20): VOE same day as disb, cleared. | 10/20/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 850321 | xxxxxx | 34781845 | xxxxxx | 10/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for credit score of 656 on rural property minimum requirement 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The 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. | Loan to Value: 21.87500%<br> Guideline Maximum Loan to Value: 40.00000% | xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-16): Approved xxxxxx exception form provided.<br>Reviewer Comment (2025-10-16): Client elects to downgrade and waive per comp factor: Most price as rural, no additional hits to pricing. Loan to Value: 21.87500%. Guideline Maximum Loan to Value: 40.00000% |  |  | 10/16/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| xxxxxx | 850330 | xxxxxx | 34776857 | xxxxxx | 10/16/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-10-17): Provided and cleared.<br>Buyer Comment (2025-10-17): Signed initial disclosure package attached for clearance | 10/17/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| xxxxxx | 851033 | xxxxxx | 34812132 | xxxxxx | 10/17/2025 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date xxxxxx , Note Date xxxxxx |  |  |  |  | Reviewer Comment (2025-10-22): Cleared xxxxxx per guides<br>Buyer Comment (2025-10-22): Attached is the Initial Escrow Disclosure that reflects sufficient funds were collected at closing to pay the renewal premium in December. Please clarify what is needed to clear this exception item. | 10/22/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 851033 | xxxxxx | 34812135 | xxxxxx | 10/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-10-17): Provided | 10/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| xxxxxx | 851035 | xxxxxx | 34812140 | xxxxxx | 10/20/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxxxx guidelines require third party verif. of business dated within 10 business days of note. |  |  |  | Reviewer Comment (2025-10-22): Third party verif. provided and cleared. | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| xxxxxx | 851035 | xxxxxx | 34812141 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxxxx guidelines require third party verif. of business dated within 10 business days of note. |  |  |  | Reviewer Comment (2025-10-22): Third party verif. provided and cleared. | 10/22/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxxxxx | 851035 | xxxxxx | 34812142 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | xxxxxx guidelines require third party verif. of business dated within 10 business days of note. |  |  |  | Reviewer Comment (2025-10-22): Third party verif. provided and cleared. | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| xxxxxx | 851035 | xxxxxx | 34812143 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxxxx guidelines require third party verif. of business dated within 10 business days of note. |  |  |  | Reviewer Comment (2025-10-22): Third party verif. provided and cleared.<br>Buyer Comment (2025-10-22): Attached is a look up of the borrowers professional license that was pulled on xxxxxx and was used as xxxxxx VOE | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| xxxxxx | 851039 | xxxxxx | 34812147 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing W2s for wage income stream. |  |  |  | Reviewer Comment (2025-10-23): After further review, exception cleared.<br>Reviewer Comment (2025-10-23): B1 has wages income of $7500 lender used and W2s were not provided and paystubs provided do not meet guides lines, most recent in file is xxxxxx per guides: paystubs must be 30 days from application and 90 days from closing.<br>Buyer Comment (2025-10-22): Attached is the business license search completed on xxxxxx for the VOE on B1. B2 xxxxxx has $00.00 income. B2's $00.00 income was not factor in the ATR. | 10/23/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| xxxxxx | 851039 | xxxxxx | 34812148 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, paystub provided was dated more than 90 days prior to closing. (xxxxxx) | Waterfall due to missing W2s for wage income stream. |  |  |  | Reviewer Comment (2025-10-23): After further review, exception cleared. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851039 | xxxxxx | 34812149 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing W2s for wage income stream. |  |  |  | Reviewer Comment (2025-10-23): After further review, exception cleared. | 10/23/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851039 | xxxxxx | 34812150 | xxxxxx | 10/20/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx W-2 (2023), W-2 (2024) | Missing W2s for wage income stream. |  |  |  | Reviewer Comment (2025-10-23): After further review, exception cleared. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851039 | xxxxxx | 34812151 | xxxxxx | 10/20/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing W2s for wage income stream. |  |  |  | Reviewer Comment (2025-10-23): After further review, exception cleared. | 10/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851048 | xxxxxx | 34812129 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $659,886.68 is over disclosed by $196.00 compared to the calculated Amount Financed of $659,690.68 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $659,886.68 is over disclosed by $196.00 compared to the calculated Amount Financed of $659,690.68 |  |  |  | Reviewer Comment (2025-10-22): After further review this fee can be added to HOA transfer fee. | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| xxxxxx | 851048 | xxxxxx | 34812130 | xxxxxx | 10/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,030,498.70 is under disclosed by $196.00 compared to the calculated Finance Charge of $1,030,694.70 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $1,030,498.70 is under disclosed by $196.00 compared to the calculated Finance Charge of $1,030,694.70 which exceeds the $100.00 threshold |  |  |  | Reviewer Comment (2025-10-22): After further review this fee can be added to HOA transfer fee.<br>Buyer Comment (2025-10-21): Will Situs accept xxxxxx curing $97.00 to be within the threshold or will the full $196.00 ne required? | 10/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| xxxxxx | 851049 | xxxxxx | 34781853 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-10-21): After further review, exception cleared.<br>Buyer Comment (2025-10-20): Attached is the CD signed more than 3 days prior to closing. It is unclear what the issue is. Please clarify. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| xxxxxx | 851049 | xxxxxx | 34781855 | xxxxxx | 10/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third party verification document in the file does not show date it was obtained. |  |  |  | Reviewer Comment (2025-10-21): Provided and cleared.<br>Buyer Comment (2025-10-21): Please see the attached funders certification. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851049 | xxxxxx | 34781856 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Third party verification document in the file does not show date it was obtained. |  |  |  | Reviewer Comment (2025-10-21): Provided and cleared. | 10/21/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| xxxxxx | 851049 | xxxxxx | 34781857 | xxxxxx | 10/17/2025 | 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) | Third party verification document in the file does not show date it was obtained. |  |  |  | Reviewer Comment (2025-10-21): Provided and cleared. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851049 | xxxxxx | 34781858 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Third party verification document in the file does not show date it was obtained. |  |  |  | Reviewer Comment (2025-10-21): Provided and cleared. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851049 | xxxxxx | 34781859 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Third party verification document in the file does not show date it was obtained. |  |  |  | Reviewer Comment (2025-10-21): Provided and cleared. | 10/21/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851049 | xxxxxx | 34781860 | xxxxxx | 10/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Third party verification document in the file does not show date it was obtained. |  |  |  | Reviewer Comment (2025-10-21): Provided and cleared. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851049 | xxxxxx | 34781861 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | File is missing the required Third Party verification of the Borrowers Business. |  |  |  | Reviewer Comment (2025-10-21): Provided and cleared. | 10/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851053 | xxxxxx | 34781868 | xxxxxx | 10/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for 1x90 in last 12 months. ACH payments for 3 plus years, then loan was transferred to xxxxxx. Borrower was not aware and when he noticed the payments were not coming out of his account it was already 90 days past due. Immediately brought account current when he found out. | 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. |  | xxxxxx<br>xxxxxx<br>xxxxxx | Reviewer Comment (2025-10-21): Lender approved exception in file. |  |  | 10/21/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No |
| xxxxxx | 851059 | xxxxxx | 34781864 | xxxxxx | 10/20/2025 | 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 Transfer Tax. Fee Amount of $2,420.00 exceeds tolerance of $2,393.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Transfer Tax Fee was disclosed on initial Loan estimate as $2393 but disclosed but final Closing Disclosure $2420. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-10-17): Sufficient Cure Provided At Closing |  | 10/17/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| xxxxxx | 851083 | xxxxxx | 34776639 | xxxxxx | 10/27/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR provided current primary from a private party landlord. Provide the most recent 6-month history -(cancelled checks, rental statements including payment history, etc.). |  |  |  | Reviewer Comment (2025-11-03): Received most recent 6-month history. Exception cleared.<br>Seller Comment (2025-10-30): Please see 6month cancelled check :) xxxxxx<br>Reviewer Comment (2025-10-28): Received VOR and Rent Receipt, however, the rent payment are being paid in Checks. Therefore provide most recent 6 months of checks. Exception remains.<br>Seller Comment (2025-10-27): The VOR along with six months of rent receipts have already been included in the package.<br> Kindly review and proceed with clearing the condition. | 11/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No |
| xxxxxx | 851090 | xxxxxx | 34785895 | xxxxxx | 10/23/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement | Most recent Calendar Year end P&L and current Year-to-date P&L through most recent month end, prior to application. Application date xxxxxx . P&L should be through 8/2025. |  |  |  | Reviewer Comment (2025-11-03): Received most recent month end P&L. Exception cleared.<br>Seller Comment (2025-10-30): Please see attached file. xxxxxx | 11/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| xxxxxx | 851090 | xxxxxx | 34785908 | xxxxxx | 10/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Most recent Calendar Year end P&L and current Year-to-date P&L through most<br> recent month end, prior to application |  |  |  | Reviewer Comment (2025-11-03): Updated signed and dated P&L provided<br>Seller Comment (2025-10-30): Please see attached file. xxxxxx | 11/03/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| xxxxxx | 851090 | xxxxxx | 34785909 | xxxxxx | 10/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Most recent Calendar Year end P&L and current Year-to-date P&L through most<br> recent month end, prior to application |  |  |  | Reviewer Comment (2025-11-03): Updated signed and dated P&L provided<br>Seller Comment (2025-10-30): Please see attached file. xxxxxx | 11/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| xxxxxx | 851464 | xxxxxx | 34806022 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $762,921.28 is over disclosed by $295.00 compared to the calculated Amount Financed of $762,626.28 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) | Appraisal management fee listed on appraisal invoice was not included. |  |  |  | Reviewer Comment (2025-10-31): SitusAMC received LOA<br>Seller Comment (2025-10-30): Please see attached file. xxxxxx.<br>Reviewer Comment (2025-10-29): It appears the lender did not include the Appraisal Management Company fee of $295 in calculations. The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges.<br>Seller Comment (2025-10-28): All required fees have been included in the Finance Charge, and we have found no issues. Could you please provide a detailed explanation of which fee is reportedly missing? According to our review, there are no discrepancies on the TRID. xxxxxx. | 10/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| xxxxxx | 851464 | xxxxxx | 34806023 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,088,831.89 is under disclosed by $295.00 compared to the calculated Finance Charge of $1,089,126.89 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Appraisal management fee listed on appraisal invoice was not included. |  |  |  | Reviewer Comment (2025-10-31): SitusAMC received LOA<br>Seller Comment (2025-10-30): Please see attached file. xxxxxx.<br>Reviewer Comment (2025-10-29): It appears the lender did not include the Appraisal Management Company fee of $295 in calculations. The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges.<br>Seller Comment (2025-10-28): As indicated on the appraisal invoice, the management fee was included as part of the appraisal fee, and there are no discrepancies on the TRID. We are unclear as to what calculation has resulted in the reported error. Could you please kindly review this matter again? xxxxxx. | 10/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.4

**EXHIBIT 99.4**

**AMC Rating Agency Grades**

![](tm2532423d1_ex99-4img01.jpg)

**Rating Agency Grades**

**Run Date - 11/14/2025 1:07:31 PM**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **Moody's** | **Moody's** | **DBRS** | **Kroll** | **Moody's** | **Moody's** | **Moody's** | **Moody's** | **Moody's** | **Moody's** |
| xxxxxx | 823512 | xxxxxx | xxxxxx | xxxxxx C | N/A C | N/A C | A | A | N/A C | N/A C B | N/A B | N/A B | N/A B | N/A B |
| xxxxxx | 825208 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 833690 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 836122 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 836740 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 837377 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 837869 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 838169 | xxxxxx | xxxxxx | xxxxxx B | B A | A | A | A | A B | B | B A | A | A B | B |
| xxxxxx | 838307 | xxxxxx | xxxxxx | xxxxxx C | C B | B | D B | D | C D | C D B | B | B A | A B | B |
| xxxxxx | 838615 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D B | B | A | A B | B |
| xxxxxx | 838713 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 838834 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 839689 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 839886 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 840358 | xxxxxx | xxxxxx | xxxxxx D | N/A D C | N/A C | A | A | N/A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| xxxxxx | 840661 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D B | B | A | A B | B |
| xxxxxx | 840723 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 840785 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 840884 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 840898 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 841316 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 841568 | xxxxxx | xxxxxx | xxxxxx D | D C | C | A | A | A D | D B | B | B A | A B | B |
| xxxxxx | 841649 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 841855 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 841907 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 841928 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 841966 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 842423 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 842434 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 842452 | xxxxxx | xxxxxx | xxxxxx C | N/A C | N/A C | A | A | N/A B C | N/A C B | N/A B | N/A | N/A B | N/A B |
| xxxxxx | 842507 | xxxxxx | xxxxxx | xxxxxx C | C D |  | A | A | A C | C D A | A | A | A | A |
| xxxxxx | 842668 | xxxxxx | xxxxxx | xxxxxx D | D C | C | A | A | A D | D A | A | A | A | A |
| xxxxxx | 842718 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 842906 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843033 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 843182 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843184 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 843188 | xxxxxx | xxxxxx | xxxxxx C | C D |  | A | A | A C | C D A | A | A | A | A |
| xxxxxx | 843189 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843190 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843191 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843192 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843196 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843199 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843202 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843203 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843216 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B | B | A | A B | B |
| xxxxxx | 843221 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843231 | xxxxxx | xxxxxx | xxxxxx C | C D |  | A | A | A C | C D B | B | A | A B | B |
| xxxxxx | 843234 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 843250 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843256 | xxxxxx | xxxxxx | xxxxxx C | C D |  | A | A | A C | C D A | A | A | A | A |
| xxxxxx | 843278 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 843285 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843322 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843335 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843336 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 843344 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843346 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843349 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 843355 | xxxxxx | xxxxxx | xxxxxx C | C |  | C | C | C | C A | A | A | A | A |
| xxxxxx | 843361 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843362 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843364 | xxxxxx | xxxxxx | xxxxxx B | B |  | D | D | D | D B | B | A | A B | B |
| xxxxxx | 843370 | xxxxxx | xxxxxx | xxxxxx C | C D |  | A | A | A C | C D B | B | A | A B | B |
| xxxxxx | 843372 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 843375 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843380 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843383 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843387 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843388 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843390 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843397 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843399 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843401 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843404 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843405 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843406 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843407 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843409 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843466 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843515 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843552 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843620 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843666 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843670 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B | B | A | A B | B |
| xxxxxx | 843671 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843677 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B A | A | A | A | A |
| xxxxxx | 843679 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 843680 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 843681 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B A | A | A | A | A |
| xxxxxx | 843682 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843685 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843686 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 843689 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843690 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 843705 | xxxxxx | xxxxxx | xxxxxx A | A |  | C | C | C | C A | A | A | A | A |
| xxxxxx | 843708 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843709 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 843711 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843715 | xxxxxx | xxxxxx | xxxxxx C | C |  | D | D | D | D A | A | A | A | A |
| xxxxxx | 843718 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843719 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 843831 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B | B | A | A B | B |
| xxxxxx | 843855 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 843856 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 844105 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 844110 | xxxxxx | xxxxxx | xxxxxx C | C | C | D | D | D | D A | A B | B A | A B | B |
| xxxxxx | 844174 | xxxxxx | xxxxxx | xxxxxx C | C D A | A | A | A | A C | C D B | B A | A | A B | B |
| xxxxxx | 844228 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 844277 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844373 | xxxxxx | xxxxxx | xxxxxx B | B C | C | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 844398 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 844402 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 844456 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 844486 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 844492 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 844494 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 844495 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 844496 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 844505 | xxxxxx | xxxxxx | xxxxxx D | D C | C | A | A | A D | D B | B A | A | A B | B |
| xxxxxx | 844551 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 844559 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 844568 | xxxxxx | xxxxxx | xxxxxx D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx | 844571 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 844591 | xxxxxx | xxxxxx | xxxxxx C | C D | D | A | A | A D | D B | B A | A | A B | B |
| xxxxxx | 844768 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 844770 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 844780 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844860 | xxxxxx | xxxxxx | xxxxxx C | C D A | A | A | A | A C | C D B | B A | A | A B | B |
| xxxxxx | 844867 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 844908 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 844976 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 844989 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 844997 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845005 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 845010 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845013 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845017 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845018 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845020 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845021 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845022 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 845024 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845030 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845033 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B | B | A | A B | B |
| xxxxxx | 845042 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845043 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845045 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845046 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845050 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845052 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 845058 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845059 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D B | B | A | A B | B |
| xxxxxx | 845060 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845062 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845066 | xxxxxx | xxxxxx | xxxxxx C | C |  | C | C | C | C A | A | A | A | A |
| xxxxxx | 845069 | xxxxxx | xxxxxx | xxxxxx C | C |  | D | D | D | D A | A | A | A | A |
| xxxxxx | 845070 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845073 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845078 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845079 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845080 | xxxxxx | xxxxxx | xxxxxx C | C D |  | A | A | A C | C D A | A | A | A | A |
| xxxxxx | 845081 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845086 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845087 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845088 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845090 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845091 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845092 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845095 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B | B | A | A B | B |
| xxxxxx | 845099 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845106 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845109 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845111 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845113 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845120 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845127 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B | B | A | A B | B |
| xxxxxx | 845128 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845129 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 845132 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845134 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 845414 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 845475 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845489 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 845582 | xxxxxx | xxxxxx | xxxxxx A | N/A C | N/A C | N/A | N/A | N/A D C | N/A D | N/A B | N/A B | N/A B | N/A B |
| xxxxxx | 845799 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 845823 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 846015 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 846038 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 846098 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 846190 | xxxxxx | xxxxxx | xxxxxx C | N/A C | N/A C | C A | C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| xxxxxx | 846206 | xxxxxx | xxxxxx | xxxxxx A | A |  | D | D | D | D A | A | A | A | A |
| xxxxxx | 846209 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846210 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846211 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846212 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846213 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846214 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 846215 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846216 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846217 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846218 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846219 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846224 | xxxxxx | xxxxxx | xxxxxx A | A C | C D | A | A | A C | C D A | A | A | A | A |
| xxxxxx | 846225 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846228 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846230 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846231 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 846306 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 846310 | xxxxxx | xxxxxx | xxxxxx C | C D A | A | A | A | A C | C D A | A | A | A | A |
| xxxxxx | 846321 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 846335 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 846370 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 846418 | xxxxxx | xxxxxx | xxxxxx C | C D | C | C | C | C | C D A | A | A B | B | B |
| xxxxxx | 846425 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846557 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 846634 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 846649 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 846741 | xxxxxx | xxxxxx | xxxxxx C | N/A D C | N/A C | A | A | N/A B C | N/A D | N/A | N/A | N/A B | N/A B |
| xxxxxx | 846799 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 846810 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 846819 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 846987 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847022 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847088 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847092 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C B | B | B A | A B | B |
| xxxxxx | 847123 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847137 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847159 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 847173 | xxxxxx | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B A | A B | B |
| xxxxxx | 847211 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 847212 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 847229 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847231 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847232 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847233 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847236 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847240 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B | B | A | A B | B |
| xxxxxx | 847241 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847242 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847245 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847246 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847247 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B | B | A | A B | B |
| xxxxxx | 847249 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847251 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847252 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847253 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B | B | A | A B | B |
| xxxxxx | 847254 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847255 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847256 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 847258 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847259 | xxxxxx | xxxxxx | xxxxxx D | D |  | A | A | A D | D A | A | A | A | A |
| xxxxxx | 847261 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847281 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 847301 | xxxxxx | xxxxxx | xxxxxx C | C A | A | D | D | D | D A | A | A | A | A |
| xxxxxx | 847317 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847319 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847374 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847375 | xxxxxx | xxxxxx | xxxxxx B | B C | C | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 847383 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847384 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C B | B | A | A B | B |
| xxxxxx | 847387 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847389 | xxxxxx | xxxxxx | xxxxxx B | B |  | A | A | A B | B | B | A | A B | B |
| xxxxxx | 847393 | xxxxxx | xxxxxx | xxxxxx C | C |  | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847400 | xxxxxx | xxxxxx | xxxxxx C | C D | C | A | A | A C | C D B | B | B A | A B | B |
| xxxxxx | 847446 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847554 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 847584 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 847706 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 847759 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C B | B | B A | A B | B |
| xxxxxx | 847809 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847825 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847833 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 847834 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 847845 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847851 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 847893 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 847915 | xxxxxx | xxxxxx | xxxxxx D | D C | C | A | A | A D | D B | B | B A | A B | B |
| xxxxxx | 847963 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 847976 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 847985 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 848052 | xxxxxx | xxxxxx | xxxxxx C | C D B | B | A | A | A C | C D B | B | B A | A B | B |
| xxxxxx | 848124 | xxxxxx | xxxxxx | xxxxxx D | D C | C | A | A | A D | D B | B | B A | A B | B |
| xxxxxx | 848140 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848163 | xxxxxx | xxxxxx | xxxxxx B | B A | A | A | A | A B | B A | A | A | A | A |
| xxxxxx | 848179 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848242 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848273 | xxxxxx | xxxxxx | xxxxxx C | C D B | B | A | A | A C | C D A | A B | B A | A B | B |
| xxxxxx | 848305 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848307 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848308 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848309 | xxxxxx | xxxxxx | xxxxxx B | B C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848335 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848338 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848345 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848353 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848418 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848433 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848448 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 848473 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848532 | xxxxxx | xxxxxx | xxxxxx C | C D | C | A | A | A C | C D B | B A | A | A B | B |
| xxxxxx | 848572 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 848579 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 848586 | xxxxxx | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B A | A B | B |
| xxxxxx | 848588 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 848590 | xxxxxx | xxxxxx | xxxxxx A | A D | D | A | A | A D | D A | A B | B A | A B | B |
| xxxxxx | 848591 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848593 | xxxxxx | xxxxxx | xxxxxx A | A | A | D | D | D | D A | A | A | A | A |
| xxxxxx | 848621 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848650 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 848652 | xxxxxx | xxxxxx | xxxxxx A | A |  | A | A | A | A | A | A | A | A |
| xxxxxx | 848700 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848704 | xxxxxx | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B A | A B | B |
| xxxxxx | 848723 | xxxxxx | xxxxxx | xxxxxx B | B A | A | A | A | A B | B | B A | A | A B | B |
| xxxxxx | 848737 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848754 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848770 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848783 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 848843 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848848 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848851 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 848863 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848869 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 848873 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848877 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C B | B | B A | A B | B |
| xxxxxx | 848921 | xxxxxx | xxxxxx | xxxxxx C | C D | C | A | A | A C | C D A | A | A | A | A |
| xxxxxx | 848948 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 848958 | xxxxxx | xxxxxx | xxxxxx A | A C | C D | A | A | A C | C D A | A | A | A | A |
| xxxxxx | 848971 | xxxxxx | xxxxxx | xxxxxx D | D A | A | A | A | A D | D B | B A | A | A B | B |
| xxxxxx | 848974 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 849007 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 849025 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849057 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C B | B | B A | A B | B |
| xxxxxx | 849059 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849060 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 849061 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849066 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849070 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849083 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 849146 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849148 | xxxxxx | xxxxxx | xxxxxx B | B A | A | A | A | A B | B A | A | A | A | A |
| xxxxxx | 849152 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849160 | xxxxxx | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B A | A B | B |
| xxxxxx | 849167 | xxxxxx | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B A | A B | B |
| xxxxxx | 849190 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849223 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 849307 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849314 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849319 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 849321 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 849329 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849343 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 849425 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 849434 | xxxxxx | xxxxxx | xxxxxx A | A | A | B | B | B | B A | A | A B | B | B |
| xxxxxx | 849443 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 849449 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849495 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849521 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 849535 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849538 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849540 | xxxxxx | xxxxxx | xxxxxx D | D A | A | A | A | A D | D A | A | A | A | A |
| xxxxxx | 849547 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 849564 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 849589 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 849626 | xxxxxx | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B A | A B | B |
| xxxxxx | 849683 | xxxxxx | xxxxxx | xxxxxx C | C B | B | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 849739 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 849925 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 849949 | xxxxxx | xxxxxx | xxxxxx D | D B | B | A | A | A D | D A | A B | B A | A B | B |
| xxxxxx | 850024 | xxxxxx | xxxxxx | xxxxxx D | D C | C | A | A | A D | D A | A | A | A | A |
| xxxxxx | 850027 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 850028 | xxxxxx | xxxxxx | xxxxxx B | B | B | A | A | A B | B A | A B | B A | A B | B |
| xxxxxx | 850029 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C B | B | B A | A B | B |
| xxxxxx | 850030 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 850033 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 850058 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 850162 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 850164 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 850194 | xxxxxx | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B A | A B | B |
| xxxxxx | 850273 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 850274 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A B | B A | A B | B |
| xxxxxx | 850278 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 850279 | xxxxxx | xxxxxx | xxxxxx B | B A | A | A | A | A B | B A | A | A | A | A |
| xxxxxx | 850281 | xxxxxx | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A B | B A | A B | B |
| xxxxxx | 850284 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 850287 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 850288 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 850304 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 850310 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 850311 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 850319 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 850320 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 850321 | xxxxxx | xxxxxx | xxxxxx B | B C | C | A | A | A C | C B | B A | A | A B | B |
| xxxxxx | 850326 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 850330 | xxxxxx | xxxxxx | xxxxxx A | A B | B | A | A | A B | B A | A | A | A | A |
| xxxxxx | 851032 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 851033 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 851034 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 851035 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 851039 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 851048 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 851049 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 851053 | xxxxxx | xxxxxx | xxxxxx B | B A | A | A | A | A B | B | B A | A | A B | B |
| xxxxxx | 851059 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 851083 | xxxxxx | xxxxxx | xxxxxx C | C A | A | A | A | A C | C A | A | A | A | A |
| xxxxxx | 851090 | xxxxxx | xxxxxx | xxxxxx C | C | C | A | A | A C | C A | A | A | A | A |
| xxxxxx | 851463 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 851464 | xxxxxx | xxxxxx | xxxxxx A | A C | C | A | A | A C | C A | A | A | A | A |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR Diligence Report**

![](tm2532423d1_ex99-5img001.jpg)

**QM-ATR Diligence Report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 823512 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 825208 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 833690 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836122 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836740 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837377 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837869 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838169 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838307 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 838615 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838713 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838834 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839689 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839886 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840358 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840661 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840723 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840785 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840884 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840898 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841316 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841568 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 841649 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841855 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841907 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841928 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841966 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842423 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842434 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842452 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842507 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842668 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842718 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842906 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843033 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843182 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843184 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843188 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843189 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843190 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843191 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843192 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843196 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843199 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843202 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843203 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843216 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843221 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843231 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843234 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843250 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843256 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843278 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843285 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843322 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843335 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843336 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843344 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843346 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843349 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843355 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843361 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843362 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843364 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843370 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843372 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843375 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843380 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843383 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843387 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843388 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843390 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843397 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843399 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843401 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843404 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843405 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843406 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843407 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843409 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843466 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843515 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843552 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843620 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843666 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843670 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843671 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843677 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843679 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843680 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843681 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843682 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843685 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843686 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843689 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843690 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843705 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843708 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843709 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843711 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843715 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843718 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843719 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843831 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843855 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843856 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844105 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844110 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844174 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844228 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844277 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844373 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844398 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844402 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844456 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844486 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844492 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844494 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844495 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844496 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844505 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844551 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844559 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844568 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844571 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844591 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844768 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844770 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844780 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 844860 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844867 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844908 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844976 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844989 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844997 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845005 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845010 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845013 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845017 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845018 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845020 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845021 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845022 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845024 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845030 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845033 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845042 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845043 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845045 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845046 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845050 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 845052 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845058 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845059 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845060 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845062 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845066 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845069 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845070 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845073 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 845078 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845079 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845080 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845081 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845086 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845087 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845088 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845090 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845091 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845092 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845095 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845099 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845106 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845109 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845111 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845113 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845120 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845127 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845128 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845129 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845132 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845134 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845414 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845475 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845489 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845582 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845799 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845823 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846015 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846038 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846098 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846190 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846206 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846209 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846210 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846211 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846212 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846213 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846214 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846215 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846216 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846217 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846218 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846219 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846224 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846225 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846228 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846230 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846231 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846306 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846310 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846321 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 846335 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846370 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846418 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846425 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846557 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846634 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846649 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846741 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846799 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846810 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846819 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846987 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847022 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847088 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847092 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847123 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847137 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847159 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847173 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847211 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847212 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847229 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847231 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847232 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847233 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847236 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847240 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847241 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847242 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847245 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847246 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847247 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847249 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847251 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847252 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847253 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847254 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847255 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847256 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847258 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847259 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847261 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 847281 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847301 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847317 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 847319 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847374 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847375 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847383 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847384 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847387 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847389 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847393 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847400 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847446 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847554 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847584 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847706 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847759 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 847809 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847825 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847833 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847834 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847845 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847851 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847893 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847915 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847963 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847976 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847985 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848052 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848124 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848140 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848163 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848179 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848242 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848273 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848305 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848307 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848308 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848309 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848335 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848338 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848345 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848353 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848418 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848433 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848448 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848473 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848532 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848572 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848579 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848586 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848588 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848590 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848591 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848593 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848621 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848650 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848652 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848700 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848704 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848723 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848737 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848754 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848770 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848783 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848843 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848848 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848851 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848863 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848869 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848873 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848877 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848921 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848948 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848958 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848971 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848974 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849007 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849025 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849057 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849059 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849060 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849061 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849066 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849070 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849083 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849146 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849148 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849152 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849160 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849167 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849190 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849223 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849307 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849314 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849319 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849321 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849329 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849343 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 849425 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849434 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849443 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849449 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849495 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849521 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849535 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849538 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849540 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849547 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849564 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849589 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849626 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849683 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849739 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849925 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849949 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850024 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 850027 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850028 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850029 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850030 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850033 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850058 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850162 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850164 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850194 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850273 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850274 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850278 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850279 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850281 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850284 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850287 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850288 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850304 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850310 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850311 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850319 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850320 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850321 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850326 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 850330 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851032 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851033 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851034 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851035 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851039 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851048 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851049 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851053 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851059 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851083 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851090 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851463 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851464 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC Valuation report**

![](tm2532423d1_ex99-6img001.jpg)

**Valuation Report**

**Run Date - 11/14/2025 1:07:33 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| xxxxxx | 823512 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2024 | 10/09/2024 | Drive By | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/01/2024 | 10/09/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 825208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/13/2024 | 09/04/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/30/2024 | 09/04/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 833690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/28/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.550% | 06/13/2025 | 06/13/2025 | AVM | xxxxxx | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 836122 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 836740 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.890% | 06/26/2025 | 06/26/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| xxxxxx | 837377 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/07/2025 | 02/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 02/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 837869 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.200% | 05/16/2025 | 05/16/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 838169 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 04/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 04/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 838307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2023 | 07/18/2023 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 838615 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| xxxxxx | 838713 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 838834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 839689 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 839886 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| xxxxxx | 840358 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2024 | 10/18/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 840661 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 7.620% | 06/27/2025 | 06/27/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 840723 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 06/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxxxxx | 840785 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.040% | 06/20/2025 | 06/20/2025 | AVM | xxxxxx | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| xxxxxx | 840884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/16/2024 | 04/08/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| xxxxxx | 840898 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 841316 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 841568 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 841649 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 841855 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/28/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 841907 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/05/2025 | 07/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 07/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 841928 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/15/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| xxxxxx | 841966 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| xxxxxx | 842423 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 842434 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 842452 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/04/2025 | AVM | xxxxxx |  |  | 0.2 | xxxxxx | xxxxxx | -3.370% | 07/07/2025 | 07/07/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 842507 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  |  | 0.000% | xxxxxx |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1509000.00 | $0.00 | 0.00% |  |  |  |  |  |
| xxxxxx | 842668 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/29/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 842718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 842906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 843033 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| xxxxxx | 843182 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/04/2025 | 05/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843184 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843188 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/06/2025 | 02/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843189 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
| xxxxxx | 843190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/10/2025 | 05/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| xxxxxx | 843191 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxxxxx | 843192 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 06/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843196 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxxxxx | 843199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/05/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843202 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| xxxxxx | 843203 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843216 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.820% | 04/11/2025 | 03/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 843221 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/07/2025 | 04/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843231 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/10/2025 | 01/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 01/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843234 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 1.670% | xxxxxx | 06/05/2025 | 04/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/22/2025 | 02/13/2025 | Appraisal | xxxxxx |  | Moderate |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.670% | xxxxxx | Moderate | 05/22/2025 | 04/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843256 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843285 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843322 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxxxxx | 843335 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxxxxx | 843336 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| xxxxxx | 843344 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 05/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843346 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/20/2025 | 04/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -8.700% | 06/20/2025 | 04/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.20 |
| xxxxxx | 843349 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843355 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.570% | 06/19/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 843361 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843362 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843364 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843370 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxxxxx | 843372 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843375 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843380 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/08/2025 | 06/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843383 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/28/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.940% | 07/07/2025 | 06/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843387 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 06/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 843390 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843397 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/05/2025 | 05/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843399 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843401 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/03/2025 | 05/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843404 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/28/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 843405 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/06/2025 | 05/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| xxxxxx | 843406 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/10/2025 | 06/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 843407 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 05/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| xxxxxx | 843409 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/26/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843466 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/28/2025 | 07/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843515 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/02/2025 | 08/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.540% | 06/25/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843620 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| xxxxxx | 843666 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/11/2025 | 06/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| xxxxxx | 843670 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 01/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/10/2025 | 01/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843671 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/26/2025 | 02/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843677 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843679 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.820% | 06/04/2025 | 05/26/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843680 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 03/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843681 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 05/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| xxxxxx | 843682 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 06/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| xxxxxx | 843685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843686 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| xxxxxx | 843689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/26/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843690 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.820% | 06/24/2025 | 06/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| xxxxxx | 843705 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 01/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/23/2025 | 01/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 843708 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxxxxx | 843709 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 04/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 04/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843711 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.000% | 07/11/2025 | 06/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| xxxxxx | 843715 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/08/2025 | 06/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 08/08/2025 | 06/06/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 843718 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| xxxxxx | 843719 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 03/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 843831 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2025 | 07/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 843855 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| xxxxxx | 843856 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 08/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| xxxxxx | 844105 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/31/2025 | 07/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 844110 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 08/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| xxxxxx | 844174 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 844228 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/02/2025 | 07/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 844277 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 844373 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 844398 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 844402 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| xxxxxx | 844456 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 844486 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 07/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| xxxxxx | 844492 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 844494 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 844495 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 844496 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| xxxxxx | 844505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 08/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| xxxxxx | 844551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| xxxxxx | 844559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/28/2025 | 06/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 844568 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.040% | 08/13/2025 | 08/13/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 844571 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| xxxxxx | 844591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/19/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| xxxxxx | 844768 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 06/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 06/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| xxxxxx | 844770 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| xxxxxx | 844780 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/30/2025 | 03/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 03/26/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| xxxxxx | 844860 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.660% | 08/03/2025 | 08/03/2025 | AVM | xxxxxx | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| xxxxxx | 844867 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| xxxxxx | 844908 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| xxxxxx | 844976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| xxxxxx | 844989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.390% | 08/04/2025 | 08/04/2025 | AVM | xxxxxx | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
| xxxxxx | 844997 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/07/2025 | 07/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.40 |
| xxxxxx | 845005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/10/2024 | 12/09/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/16/2024 | 12/09/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxxxxx | 845010 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxxxxx | 845013 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 04/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845017 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 04/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 04/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845018 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845020 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/07/2025 | 05/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/13/2025 | 05/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845021 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 04/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 04/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845022 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/16/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845024 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.450% | 04/08/2025 | 04/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| xxxxxx | 845030 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxxxxx | 845033 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| xxxxxx | 845042 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/13/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxxxxx | 845043 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| xxxxxx | 845045 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/15/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| xxxxxx | 845046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845050 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845052 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| xxxxxx | 845058 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845059 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| xxxxxx | 845060 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845062 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| xxxxxx | 845066 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2025 | 02/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/18/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845070 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845073 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.530% | 07/28/2025 | 07/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845078 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845079 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845080 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845081 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 06/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845086 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845087 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/11/2025 | 07/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 845088 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/28/2025 | 05/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| xxxxxx | 845090 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845091 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845092 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 06/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845095 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxxxxx | 845099 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 06/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.750% | 07/21/2025 | 07/20/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845109 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845111 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845113 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845120 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845127 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845128 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxxxxx | 845129 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 845132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| xxxxxx | 845134 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/19/2025 | 03/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 04/07/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845414 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| xxxxxx | 845475 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 845489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| xxxxxx | 845582 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 08/04/2025 | AVM | xxxxxx |  |  | 0.1 | xxxxxx | xxxxxx | 7.110% | 07/24/2025 | 07/24/2025 | AVM | xxxxxx | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845799 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 06/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 845823 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 846015 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.310% | 08/07/2025 | 08/07/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 846038 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2025 | 07/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| xxxxxx | 846098 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 08/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 846190 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/13/2025 | 08/20/2025 | Desk Review | xxxxxx |  | Low | xxxxxx | xxxxxx | -20.000% | xxxxxx | 0.17 | 08/13/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 846206 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| xxxxxx | 846209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 846210 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| xxxxxx | 846211 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 846212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/08/2025 | 07/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 846213 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| xxxxxx | 846214 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.820% | 07/10/2025 | 07/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 846215 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 846216 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 846217 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 07/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.070% | 08/13/2025 | 08/08/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 08/14/2025 | 07/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| xxxxxx | 846218 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| xxxxxx | 846219 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxxxxx | 846224 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 846225 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxxxxx | 846228 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 07/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| xxxxxx | 846230 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 846231 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/31/2025 | 07/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| xxxxxx | 846306 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 846310 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| xxxxxx | 846321 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| xxxxxx | 846335 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/10/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 846370 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 846418 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/05/2025 | 08/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 08/26/2025 | 08/04/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| xxxxxx | 846425 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 03/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/16/2025 | 03/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 846557 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 07/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/12/2025 | 07/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 846634 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 846649 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 846741 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/18/2025 | 09/12/2025 | Desk Review | xxxxxx |  | Low | xxxxxx | xxxxxx | -13.490% | xxxxxx | 0.11 | 09/04/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| xxxxxx | 846799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/22/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 846810 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.700% | 09/09/2025 | 09/09/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 846819 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| xxxxxx | 846987 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 |
| xxxxxx | 847022 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 1.380% | xxxxxx | 08/28/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.380% | 08/29/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847088 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 847092 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/01/2025 | 09/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847123 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847137 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.260% | 09/05/2025 | 09/05/2025 | AVM | xxxxxx | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| xxxxxx | 847159 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 847173 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/10/2025 | 08/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| xxxxxx | 847211 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847212 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| xxxxxx | 847229 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/26/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| xxxxxx | 847231 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847232 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/02/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 08/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847233 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847236 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 847240 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| xxxxxx | 847241 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.350% | 08/13/2025 | 08/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.40 |
| xxxxxx | 847245 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847246 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| xxxxxx | 847247 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847249 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/08/2025 | 07/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847251 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847252 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847253 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/22/2025 | 07/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847254 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/08/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847256 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| xxxxxx | 847258 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxxxxx | 847259 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| xxxxxx | 847261 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| xxxxxx | 847281 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847301 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847317 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 09/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847319 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/05/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847374 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/25/2025 | 07/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847375 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847383 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847384 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/19/2025 | 08/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| xxxxxx | 847387 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/19/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| xxxxxx | 847389 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/02/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| xxxxxx | 847393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/19/2025 | 07/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| xxxxxx | 847400 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/17/2025 | 04/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| xxxxxx | 847446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/06/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 847554 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/13/2025 | 09/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| xxxxxx | 847584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/09/2025 | 09/09/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| xxxxxx | 847706 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/01/2025 | 07/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| xxxxxx | 847759 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| xxxxxx | 847809 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 09/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxxxxx | 847825 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 08/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| xxxxxx | 847833 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| xxxxxx | 847834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 847845 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/14/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/17/2025 | 09/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847851 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847893 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 847915 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 847963 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/20/2025 | 09/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/03/2025 | 08/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 847985 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/10/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/12/2025 | 08/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.80 |
| xxxxxx | 848052 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/14/2025 | 08/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/23/2025 | 08/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| xxxxxx | 848124 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/20/2025 | 09/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 848140 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/06/2025 | 08/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxxxxx | 848163 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| xxxxxx | 848179 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/22/2025 | 09/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 848242 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| xxxxxx | 848273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/07/2025 | 09/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| xxxxxx | 848305 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 848307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 848308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 848309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/10/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| xxxxxx | 848335 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 848338 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 848345 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/04/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/30/2025 | 09/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| xxxxxx | 848353 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/17/2025 | 08/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 848418 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 848433 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/17/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 848448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 848473 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/24/2025 | 09/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| xxxxxx | 848532 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/14/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/22/2025 | 09/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 848572 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| xxxxxx | 848579 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/17/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 848586 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 848588 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 848590 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| xxxxxx | 848591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/02/2025 | 08/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| xxxxxx | 848593 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/04/2025 | 08/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| xxxxxx | 848621 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.260% | 09/30/2025 | 09/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| xxxxxx | 848650 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/16/2025 | 08/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| xxxxxx | 848652 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/09/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| xxxxxx | 848700 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/26/2025 | 09/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| xxxxxx | 848704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxxxxx | 848723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/13/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 848737 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 09/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| xxxxxx | 848754 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 848770 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 848783 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/05/2025 | 08/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 848843 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.960% | 08/18/2025 | 08/14/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| xxxxxx | 848848 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/17/2025 | 08/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 848851 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/24/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| xxxxxx | 848863 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| xxxxxx | 848869 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/03/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 848873 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/01/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/04/2025 | 08/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| xxxxxx | 848877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/23/2025 | 09/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| xxxxxx | 848921 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 09/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 848948 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 848958 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| xxxxxx | 848971 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/18/2025 | 08/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| xxxxxx | 848974 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/23/2025 | 09/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 849007 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 849025 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 08/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 849057 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/18/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| xxxxxx | 849059 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 849060 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| xxxxxx | 849061 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 849066 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/16/2025 | 09/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| xxxxxx | 849070 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/15/2025 | 09/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| xxxxxx | 849083 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxxxxx | 849146 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 849148 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 06/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 849152 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| xxxxxx | 849160 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 08/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| xxxxxx | 849167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/16/2025 | 09/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 849190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| xxxxxx | 849223 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/02/2025 | 09/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 849307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/10/2025 | 09/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| xxxxxx | 849314 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 07/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.40 |
| xxxxxx | 849319 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 09/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| xxxxxx | 849321 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 849329 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/07/2025 | 09/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 849343 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 849425 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 849434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 849443 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| xxxxxx | 849449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/19/2025 | 08/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| xxxxxx | 849495 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/29/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.60 |
| xxxxxx | 849521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/07/2024 | 05/24/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.00 |
| xxxxxx | 849535 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 849538 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/10/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| xxxxxx | 849540 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 849547 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/25/2025 | 09/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| xxxxxx | 849564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/02/2025 | 09/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| xxxxxx | 849589 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 849626 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 849683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 849739 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 849925 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 849949 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 850024 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 850027 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 850028 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/23/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxxxxx | 850029 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 850030 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 850033 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| xxxxxx | 850058 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| xxxxxx | 850162 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 08/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| xxxxxx | 850164 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/13/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| xxxxxx | 850194 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| xxxxxx | 850273 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| xxxxxx | 850274 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/24/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/01/2025 | 08/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 850278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 850279 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 850281 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 08/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxxxxx | 850284 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 08/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| xxxxxx | 850287 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 850288 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 850304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 850310 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 850311 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 850319 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 09/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/24/2025 | 09/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| xxxxxx | 850320 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| xxxxxx | 850321 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| xxxxxx | 850326 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/29/2025 | 09/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| xxxxxx | 850330 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| xxxxxx | 851032 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 08/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| xxxxxx | 851033 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| xxxxxx | 851034 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 851035 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxxxxx | 851039 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 851048 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 851049 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| xxxxxx | 851053 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxxxxx | 851059 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| xxxxxx | 851083 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| xxxxxx | 851090 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 08/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| xxxxxx | 851463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| xxxxxx | 851464 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.330% | 10/01/2025 | 09/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC Supplemental Data**

![](tm2532423d1_ex99-6img002.jpg)

**Supplemental Data**

**Run Date - 11/14/2025 1:07:34 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| xxxxxx | 823512 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7047.83 | $9225.71 | xxxxxx | 12.657% | $1558.44 | $1558.44 | 11.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14767.65 | 1 | xxxxxx | $7398.00 | xxxxxx | $616.50 | xxxxxx |  | $100.00 |  | Annually | 30.812% | ##### | 30.812% | 09/28/2024 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 49.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7047.83 | xxxxxx | 6.730% | $0.00 |  |  |  |  | No | No | 11.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10747.60 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.125% | xxxxxx | xxxxxx | $1588.44 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.74 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 825208 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6605.00 | $7282.03 | xxxxxx | 8.668% | $1442.43 | $1442.43 | 8.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3322.84 | 1 | xxxxxx | $2427.96 | xxxxxx | $202.33 |  |  |  |  |  | 36.728% | ##### | 36.728% | 10/16/2024 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6605.00 | xxxxxx | 6.400% | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4100.00 | 1.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 833690 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3097.20 | $3097.20 | 6.750% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1796.04 | xxxxxx | $149.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $332528.18 | 57.830% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.44 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| xxxxxx | 836122 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1648.75 | $1648.75 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $3111.96 | xxxxxx | $259.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.77 | 0.56 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.11 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 836740 | xxxxxx | N/A |  |  | xxxxxx | No | No | $27025.36 | ####### |  | 8.472% | $2583.89 | $2583.89 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $45987.01 | 1 | xxxxxx | $6288.00 | xxxxxx | $524.00 |  |  |  |  |  | 11.132% | ##### | 11.132% | 09/12/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27025.36 |  | 6.320% | $5930.00 | 2.6 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $103492.27 | 23.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.11 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 837377 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1523.28 | $1523.28 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1039.56 | xxxxxx | $86.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/14/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.66 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 101.92 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 837869 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4227.23 | $4227.23 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2964.00 | xxxxxx | $247.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.21 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 838169 | xxxxxx | N/A |  |  | xxxxxx | No | No | $14210.00 | $7506.94 | xxxxxx | 8.937% | $1299.46 | $1299.46 | 8.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $20344.66 | 1 | xxxxxx | $2346.96 | xxxxxx | $195.58 | xxxxxx | xxxxxx | $702.00 |  | Annually | 45.526% | ##### | 45.526% | 08/05/2025 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14210.00 | xxxxxx | 6.800% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 3 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $37987.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.06 |  | No | No | xxxxxx | $37347.21 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxxxx | 838307 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19665.71 | ####### |  | 8.038% | $3487.33 | $3487.33 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6526.54 | 1 | xxxxxx | $3119.04 | xxxxxx | $259.92 |  |  |  |  |  | 48.065% | ##### | 48.065% | 06/20/2023 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19665.71 |  | 6.960% | $40510.62 | 1 | DU |  | ApproveEligible | Yes | No | 7.500% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | No | 1 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.11 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| xxxxxx | 838615 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1078.63 | $1078.63 | 8.000% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1034.04 | xxxxxx | $86.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 3.66 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 838713 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1131.11 | $1131.11 | 7.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1289.04 | xxxxxx | $107.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.05 |  |  |  |  |  |  |  | xxxxxx | $397445.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 338.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 838834 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2335.72 | $2335.72 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2168.04 | xxxxxx | $180.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $2519.56 | 0.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.02 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 839689 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1877.93 | $1877.93 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $693.00 | xxxxxx | $57.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.26 |  |  |  |  |  |  |  | xxxxxx | $2529.89 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 80.25 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 839886 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2686.84 | $2686.84 | 6.875% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $883.68 | xxxxxx | $73.64 | xxxxxx |  | $795.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $315473.13 | 43.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.89 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 |
| xxxxxx | 840358 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7611.00 | $8461.24 | xxxxxx | 9.011% | $1866.70 | $1866.70 | 8.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8413.69 | 1 | xxxxxx | $6634.80 | xxxxxx | $552.90 |  |  |  |  |  | 41.531% | ##### | 41.531% | 09/09/2024 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7611.00 | xxxxxx | 6.120% | $0.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $700.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $1495.27 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 840661 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2055.57 | $2055.57 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $2513.40 | xxxxxx | $209.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.25 | 0.44 |  |  |  |  |  |  |  | xxxxxx | $9497.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 112.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 840723 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3760.09 | $3760.09 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1314.96 | xxxxxx | $109.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.3 |  |  |  |  |  |  |  | xxxxxx | $114829.80 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 146.42 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 840785 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3687.94 | $3687.94 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3543.96 | xxxxxx | $295.33 | xxxxxx |  | $1000.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/16/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.15 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 90.46 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 840884 | xxxxxx | N/A |  |  | xxxxxx | No | No | $1790.00 | $2966.32 | xxxxxx | 7.509% | $1320.92 | $1320.92 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13167.63 | 1 | xxxxxx | $1680.00 | xxxxxx | $140.00 | xxxxxx | xxxxxx | $225.00 |  | Monthly | 37.710% | ##### | 37.710% | 03/21/2024 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.880% | $0.00 | 1.2 | LP / LPA |  | Accept/Eligible | No | No | 7.375% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $272175.92 | 100.000% | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 138.85 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 840898 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3432.80 | $3432.80 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3504.00 | xxxxxx | $292.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/04/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $147602.70 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 98.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 841316 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3338.40 | $3338.40 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1763.04 | xxxxxx | $146.92 | xxxxxx |  | $1047.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/29/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0.84 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $597670.61 | 61.060% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.77 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 841568 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $3039.92 | ####### | xxxxxx | 8.444% | $4086.89 | $4086.89 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7549.94 | 1 | xxxxxx | $2196.00 | xxxxxx | $183.00 | xxxxxx |  | $200.00 |  | Annually | 39.516% | ##### | 39.516% | 05/29/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| 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: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3039.92 | xxxxxx | 6.830% | $30000.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $94765.72 | 13.930% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.19 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 841649 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1013.30 | $1013.30 | 7.490% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1056.00 | xxxxxx | $88.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 33.22 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 841855 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3438.17 | $3438.17 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1767.96 | xxxxxx | $147.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 103.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 841907 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $885.05 | $885.05 | 6.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1326.00 | xxxxxx | $110.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 58.69 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 841928 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3031.80 | $3031.80 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $987.96 | xxxxxx | $82.33 | xxxxxx |  | $745.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/21/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $127490.00 | 20.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.35 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 841966 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1169.44 | $1169.44 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $969.00 | xxxxxx | $80.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $20000.00 | 8.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 23.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 842423 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2065.12 | $2065.12 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1491.12 | xxxxxx | $124.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0.87 | 1.14 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 108.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 842434 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11584.59 | $11584.59 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $10685.04 | xxxxxx | $890.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $349035.08 |  | 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 | 27.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 842452 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4872.12 | $5682.96 | xxxxxx | 10.107% | $1121.99 | $1121.99 | 9.625% | No | No | Non-Employment Income | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4845.62 | 1 | xxxxxx | $1305.96 | xxxxxx | $108.83 |  |  |  |  |  | 49.375% | ##### | 49.375% | 06/04/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4872.12 | xxxxxx | 6.670% | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5.00 |  | No |  | 29 |  |  | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.625% | xxxxxx | xxxxxx | $1301.35 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 24.5 |  | No | No | xxxxxx | $0.00 | $8068.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 842507 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6361.77 | $6361.77 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $8113.68 |  | $676.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.58 |  |  |  |  |  |  |  | xxxxxx | $86124.21 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 9.75 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 842668 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9079.00 | ####### | xxxxxx | 7.465% | $1609.48 | $1609.48 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11290.81 | 1 | xxxxxx | $3963.00 | xxxxxx | $330.25 |  |  |  |  |  | 34.370% | ##### | 34.370% | 07/09/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9079.00 | xxxxxx | 6.670% | $0.00 | 2.6 |  |  |  | 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 | 79.06 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 842718 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1310.21 | $1310.21 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1155.00 | xxxxxx | $96.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $78202.01 | 35.870% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 18.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 842906 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1138.38 | $1138.38 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1535.28 | xxxxxx | $127.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $248277.91 | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 124.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843033 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3855.93 | $3855.93 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $7597.80 | xxxxxx | $633.15 | xxxxxx |  | $200.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/18/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $13270.26 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 75.83 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843182 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1398.43 | $1398.43 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $3882.96 | xxxxxx | $323.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.09 | 0.32 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843184 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3731.05 | $3731.05 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $3079.68 | xxxxxx | $256.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.22 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843188 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1130.30 | $1130.30 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $885.00 | xxxxxx | $73.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/26/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 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 | 96.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843189 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2123.38 | $2123.38 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $991.68 | xxxxxx | $82.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 195.68 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843190 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3465.83 | $3465.83 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3234.96 | xxxxxx | $269.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $290839.28 | 48.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 64.47 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843191 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6837.68 | $6837.68 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4541.76 | xxxxxx | $378.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.54 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 125.22 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843192 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3362.02 | $3362.02 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $750.96 | xxxxxx | $62.58 | xxxxxx | xxxxxx | $967.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/20/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $367806.73 | 54.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 30.54 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843196 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1332.53 | $1332.53 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1993.56 | xxxxxx | $166.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.34 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843199 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2660.94 | $2660.94 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2385.00 | xxxxxx | $198.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $25000.00 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.84 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843202 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1959.45 | $1959.45 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2237.04 | xxxxxx | $186.42 | xxxxxx | xxxxxx | $425.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/10/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $24620.92 | 6.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.71 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843203 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1550.90 | $1550.90 | 7.125% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | xxxxxx | $717.96 | xxxxxx | $59.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.54 |  |  |  |  |  |  |  | xxxxxx | $14587.26 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843216 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1167.86 | $1167.86 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1533.96 | xxxxxx | $127.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/21/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 108.87 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843221 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3598.77 | $3598.77 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $4193.04 | xxxxxx | $349.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/09/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.56 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843231 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2041.77 | $2041.77 | 7.750% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 4 | xxxxxx | $3179.04 | xxxxxx | $264.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/28/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.54 | 0.65 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 18.44 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843234 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $15144.31 | $15144.31 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $14106.12 | xxxxxx | $1175.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 146.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843250 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1217.41 | $1217.41 | 7.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1350.00 | xxxxxx | $112.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $90041.81 | 41.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 18.68 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843256 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1473.26 | $1473.26 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2887.68 | xxxxxx | $240.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $93421.15 | 37.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 27.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843278 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1302.34 | $1302.34 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3789.96 | xxxxxx | $315.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  |  | xxxxxx | $139418.40 | 60.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 50.55 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843285 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $969.09 | $969.09 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2003.04 | xxxxxx | $166.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $138903.45 | 92.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 79.94 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843322 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1082.92 | $1082.92 | 7.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1157.04 | xxxxxx | $96.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/14/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.3 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 117.6 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843335 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $997.85 | $997.85 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1728.96 | xxxxxx | $144.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.32 | 0.43 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 66.18 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843336 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1247.32 | $1247.32 | 6.999% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $974.04 | xxxxxx | $81.17 | xxxxxx | xxxxxx | $1022.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/08/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not 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 | 1.7 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.08 | 0.48 |  |  |  |  |  |  |  | xxxxxx | $22000.00 | 8.800% | 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 |  |  |  |  |  |  |  |  | 7.62 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843344 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7034.94 | $7034.94 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $3902.04 | xxxxxx | $325.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 9.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843346 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1101.26 | $1101.26 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4157.52 | xxxxxx | $346.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.2 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 3.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843349 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1837.68 | $1837.68 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1431.00 | xxxxxx | $119.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $128443.81 | 38.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.16 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843355 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2900.28 | $2900.28 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1586.04 | xxxxxx | $132.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | xxxxxx | $72238.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 33.13 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843361 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8205.22 | $8205.22 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $6639.96 | xxxxxx | $553.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 27.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843362 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1926.98 | $1926.98 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2888.88 | xxxxxx | $240.74 | xxxxxx | xxxxxx | $432.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/01/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 94.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843364 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1384.44 | $1384.44 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1415.04 | xxxxxx | $117.92 | xxxxxx | xxxxxx | $5700.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/15/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $196521.41 | 79.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 65.96 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843370 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1087.81 | $1087.81 | 7.375% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1259.04 | xxxxxx | $104.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 155.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843372 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1951.14 | $1951.14 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2654.04 | xxxxxx | $221.17 | xxxxxx | xxxxxx | $850.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/12/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.15 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843375 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1412.05 | $1412.05 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1696.56 | xxxxxx | $141.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.54 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843380 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $942.59 | $942.59 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2593.80 | xxxxxx | $216.15 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 59.13 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843383 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2246.20 | $2246.20 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $912.00 | xxxxxx | $76.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 125.94 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843387 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1632.79 | $1632.79 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2084.76 | xxxxxx | $173.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 8.41 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843388 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2018.74 | $2018.74 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2826.00 | xxxxxx | $235.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/03/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $208195.97 | 47.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843390 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1730.56 | $1730.56 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1419.96 | xxxxxx | $118.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $10831.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 28.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843397 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $961.14 | $961.14 | 8.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1445.04 | xxxxxx | $120.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $31552.74 | 20.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.36 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843399 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1044.96 | $1044.96 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1394.04 | xxxxxx | $116.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 106.12 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843401 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1058.21 | $1058.21 | 8.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $1707.00 | xxxxxx | $142.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/13/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 40.16 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843404 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2274.05 | $2274.05 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $2538.96 | xxxxxx | $211.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.62 |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  | No | 108.04 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843405 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3169.15 | $3169.15 | 7.625% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1920.96 | xxxxxx | $160.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/22/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $197367.83 | 33.050% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.09 | Retail |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843406 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1008.61 | $1008.61 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2118.96 | xxxxxx | $176.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.45 | Retail |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843407 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3118.20 | $3118.20 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1200.60 | xxxxxx | $100.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $76596.67 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.21 | Retail |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843409 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1982.67 | $1982.67 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1434.72 | xxxxxx | $119.56 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 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 | 67.25 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843466 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6992.15 | $6992.15 | 7.500% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 2 | xxxxxx | $5219.04 | xxxxxx | $434.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | 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 | 1.36 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 107.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843515 | xxxxxx | N/A |  |  | xxxxxx | No | No | $10345.00 | $4013.58 | xxxxxx | 8.797% | $1153.37 | $1153.37 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5543.31 | 1 | xxxxxx | $1616.04 | xxxxxx | $134.67 |  |  |  |  |  | 40.409% | ##### | 40.409% | 07/15/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| 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: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10345.00 | xxxxxx | 6.220% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1512.85 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 87.42 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843552 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1525.51 | $1525.51 | 8.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $3218.04 | xxxxxx | $268.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 610 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 3.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 9.97 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843620 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1693.16 | $1693.16 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1340.04 | xxxxxx | $111.67 | xxxxxx |  | $867.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/17/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 12.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843666 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1260.89 | $1260.89 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1352.40 | xxxxxx | $112.70 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $63375.86 | 28.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.1 | Retail |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843670 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4220.97 | $4220.97 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3971.76 | xxxxxx | $330.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/02/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.6 |  |  |  |  |  |  |  | xxxxxx | $34724.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 42.3 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843671 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2173.57 | $2173.57 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1530.96 | xxxxxx | $127.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 138.79 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843677 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2070.87 | $2070.87 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $960.00 | xxxxxx | $80.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2025 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $134773.65 | 37.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.12 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843679 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2142.12 | $2142.12 | 8.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1563.60 | xxxxxx | $130.30 | xxxxxx | xxxxxx | $493.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/29/2025 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $125434.64 | 34.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.41 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843680 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $752.23 | $752.23 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1038.24 | xxxxxx | $86.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/15/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 40.3 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843681 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1501.17 | $1501.17 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $795.36 | xxxxxx | $66.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  | 360 | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 20.14 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843682 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1032.50 | $1032.50 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $869.04 | xxxxxx | $72.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.8 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 45.8 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843685 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $977.76 | $977.76 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $443.04 | xxxxxx | $36.92 | xxxxxx | xxxxxx | $450.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/26/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $116646.53 | 58.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.18 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843686 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1239.87 | $1239.87 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1982.64 | xxxxxx | $165.22 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $13065.33 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.14 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843689 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1864.82 | $1864.82 | 7.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1349.04 | xxxxxx | $112.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $59513.61 | 16.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843690 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2477.84 | $2477.84 | 7.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | xxxxxx | $5022.96 | xxxxxx | $418.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843705 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3149.95 | $3149.95 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $5463.72 | xxxxxx | $455.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/19/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.88 | 0.53 |  |  |  |  |  |  |  | xxxxxx | $61102.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.63 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843708 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1167.36 | $1167.36 | 7.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1137.00 | xxxxxx | $94.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/28/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 112.92 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843709 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1183.72 | $1183.72 | 7.125% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $557.04 | xxxxxx | $46.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 49.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843711 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2537.74 | $2537.74 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2317.92 | xxxxxx | $193.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.9 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 55.78 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843715 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3008.93 | $3008.93 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3279.36 | xxxxxx | $273.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843718 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1440.38 | $1440.38 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1827.00 | xxxxxx | $152.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.04 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843719 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1443.38 | $1443.38 | 9.750% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $744.00 | xxxxxx | $62.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2025 | 633 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $31493.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.47 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843831 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1077.95 | $1077.95 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2021.16 | xxxxxx | $168.43 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $965237.64 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 560.33 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 843855 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2359.85 | $2359.85 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2922.00 | xxxxxx | $243.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 36.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 843856 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2387.62 | $2387.62 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $335.04 | xxxxxx | $27.92 | xxxxxx |  | $598.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/08/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.59 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 844105 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2044.40 | $2044.40 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1113.60 | xxxxxx | $92.80 | xxxxxx |  | $350.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/07/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.06 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $369164.83 | 99.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 142.17 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844110 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14975.00 | ####### | xxxxxx | 7.825% | $10143.37 | $10143.37 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $35507.46 | 1 | xxxxxx | $4121.04 | xxxxxx | $343.42 | xxxxxx | xxxxxx | $1208.00 |  | Monthly | 46.068% | ##### | 46.068% | 07/18/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14975.00 | xxxxxx | 6.750% | $0.00 | 1.8 |  |  |  | N/A | No | 7.625% | 1 |  | 2 | 0 | 4 | 2 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $815733.59 | 42.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.73 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 |
| xxxxxx | 844174 | xxxxxx | N/A |  |  | xxxxxx | No | No | $32840.00 | $6022.04 | xxxxxx | 7.534% | $7236.88 | $7236.88 | 7.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $275668.52 | 1 | xxxxxx | $4890.96 | xxxxxx | $407.58 |  |  |  |  |  | 7.980% | 7.980% | 7.980% | 06/16/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32840.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $250858.07 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 137.05 |  | No | No | xxxxxx | $299574.72 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 844228 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2933.30 | $2933.30 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $5529.00 | xxxxxx | $460.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | xxxxxx | $252261.60 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 62.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 844277 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8512.00 | $4733.77 | xxxxxx | 8.090% | $1595.15 | $1595.15 | 7.875% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6872.39 | 1 | xxxxxx | $1553.04 | xxxxxx | $129.42 |  |  |  |  |  | 33.687% | ##### | 33.687% | 07/28/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8512.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1003104.10 | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 464.01 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844373 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6445.66 | $8278.85 | xxxxxx | 8.370% | $1033.07 | $1033.07 | 7.750% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4656.61 | 1 | xxxxxx | $2490.00 | xxxxxx | $207.50 |  |  |  |  |  | 37.209% | ##### | 37.209% | 07/30/2025 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 43.92 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $6445.66 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $8177.58 |  | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.95 |  | No | No | xxxxxx | $0.00 | $4101.12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 844398 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2676.21 | $2676.21 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1719.96 | xxxxxx | $143.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $5400.38 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 114.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 844402 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3190.50 | $3391.35 | xxxxxx | 7.940% | $1074.62 | $1074.62 | 7.750% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6687.62 | 1 | xxxxxx | $540.60 | xxxxxx | $45.05 | xxxxxx | xxxxxx | $3500.00 |  | Annually | 49.059% | ##### | 49.059% | 07/07/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3190.50 | xxxxxx | 6.750% | $0.00 |  |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $1145601.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 806.74 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 844456 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16048.13 | ####### | xxxxxx | 6.981% | $2961.14 | $2961.14 | 6.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10076.20 | 1 | xxxxxx | $2400.00 | xxxxxx | $200.00 |  |  |  |  |  | 39.346% | ##### | 39.346% | 05/12/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16048.13 | xxxxxx | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 844486 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7792.33 | $7792.33 | 7.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $816.96 | xxxxxx | $68.08 | xxxxxx | xxxxxx | $1553.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/26/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $929010.70 | 57.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 27.42 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844492 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $948.01 | $948.01 | 6.499% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1479.96 | xxxxxx | $123.33 | xxxxxx | xxxxxx | $240.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/03/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $79069.17 | 39.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.07 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 844494 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $847.42 | $847.42 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $5604.96 | xxxxxx | $467.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $34289.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844495 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1380.40 | $1380.40 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $3554.40 | xxxxxx | $296.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $34289.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 117.29 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844496 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $980.20 | $980.20 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5738.64 | xxxxxx | $478.22 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $34289.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 100.66 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844505 | xxxxxx | N/A |  |  | xxxxxx | No | No | $38530.00 | $5578.79 | xxxxxx | 7.904% | $8628.33 | $8628.33 | 7.875% | No | No | Not Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $34801.38 | 1 | xxxxxx | $6813.00 | xxxxxx | $567.75 | xxxxxx | xxxxxx | $300.00 |  | Monthly | 39.164% | ##### | 39.164% | 07/31/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $38530.00 | xxxxxx | 6.540% | $56000.00 |  |  |  |  | Yes | No | 7.875% | 0 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2288206.64 | 100.000% | No |  | 21 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 205.37 |  | No | Yes | xxxxxx | $0.00 | $30000.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 10 |
| xxxxxx | 844551 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6496.06 | $9391.93 | xxxxxx | 7.927% | $3951.73 | $3951.73 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18663.12 | 1 | xxxxxx | $953.04 | xxxxxx | $79.42 | xxxxxx | xxxxxx | $618.00 |  | Monthly | 35.414% | ##### | 35.414% | 07/24/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6496.06 | xxxxxx | 6.570% | $14500.00 | 2.3 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $133338.00 | 19.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844559 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4393.22 | $4393.22 | 7.250% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $2193.96 | xxxxxx | $182.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $53064.00 | 5.760% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844568 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1645.00 | $2644.25 | xxxxxx | 9.414% | $523.00 | $523.00 | 9.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3197.63 | 1 | xxxxxx | $1750.32 | xxxxxx | $145.86 | xxxxxx |  | $200.00 |  | Annually | 44.128% | ##### | 44.128% | 08/01/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1645.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 9.000% | 2 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $14812.47 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.625% | xxxxxx | xxxxxx | $880.95 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.56 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 844571 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4677.73 | $4677.73 | 8.125% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1955.04 | xxxxxx | $162.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.5 | 1.97 |  |  |  |  |  |  |  | xxxxxx | $134711.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 25.37 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 844591 | xxxxxx | N/A |  |  | xxxxxx | No | No | $11153.00 | $7261.59 |  | 8.317% | $1247.12 | $1247.12 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23021.16 | 1 | xxxxxx | $1885.80 | xxxxxx | $157.15 | xxxxxx | xxxxxx | $812.38 |  | Monthly | 32.316% | ##### | 32.316% | 09/15/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11153.00 |  | 6.220% | $6450.00 | 2.6 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5860.36 | 2.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.95 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxxxx | 844768 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2484.01 | $2484.01 | 8.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $605.64 | xxxxxx | $50.47 | xxxxxx | xxxxxx | $565.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/16/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.62 | 1.62 |  |  |  |  |  |  |  | xxxxxx | $138784.17 | 32.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.48 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844770 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2767.38 | $2767.38 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1902.00 | xxxxxx | $158.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $18104.87 | 3.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.65 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 844780 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $11319.00 | ####### | xxxxxx | 8.971% | $11367.38 | $11367.38 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27123.60 | 1 | xxxxxx | $9273.48 | xxxxxx | $772.79 |  |  |  |  |  | 44.412% | ##### | 44.412% | 01/08/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11319.00 | xxxxxx | 6.620% | $0.00 | 3.1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.54 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844860 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10085.48 | ####### | xxxxxx | 7.396% | $5129.97 | $5129.97 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12241.51 | 1 | xxxxxx | $813.00 | xxxxxx | $67.75 | xxxxxx | xxxxxx | $135.00 |  | Monthly | 40.240% | ##### | 40.240% | 06/27/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10085.48 | xxxxxx | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $54537.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.26 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 844867 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10719.00 | ####### | xxxxxx | 8.152% | $3081.54 | $3081.54 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7756.59 | 1 | xxxxxx | $7429.92 | xxxxxx | $619.16 |  |  |  |  |  | 48.344% | ##### | 48.344% | 08/04/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | 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: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10719.00 | xxxxxx | 6.750% | $0.00 | 2 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $225510.27 | 37.580% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 19.61 |  | Yes | No | xxxxxx | $7507.88 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| xxxxxx | 844908 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3341.24 | $3341.24 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1196.04 | xxxxxx | $99.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $127158.81 | 21.190% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.28 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 844976 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1790.00 | $4904.00 | xxxxxx | 7.563% | $4287.59 | $4287.59 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17551.32 | 1 | xxxxxx | $2073.96 | xxxxxx | $172.83 |  |  |  |  |  | 25.013% | ##### | 25.013% | 07/25/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.630% | $33000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $74251.13 | 9.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.67 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 844989 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5334.34 | $5334.34 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2656.92 | xxxxxx | $221.41 | xxxxxx |  | $684.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/18/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.62 | 1.6 |  |  |  |  |  |  |  | xxxxxx | $298932.21 | 32.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.61 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 844997 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8047.26 | $8047.26 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $14290.68 | xxxxxx | $1190.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.72 | 1.37 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 22.32 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845005 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4402.17 | $4402.17 | 7.999% | No | No |  |  |  |  | 0 |  |  | xxxxxx | Not Provided |  |  |  |  |  |  | 1 | xxxxxx | $572.04 | xxxxxx | $47.67 | xxxxxx | xxxxxx | $760.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 12/03/2024 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.35 |  |  |  |  |  |  |  | xxxxxx | $689285.33 | 86.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 87.63 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845010 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1342.49 | $1342.49 | 7.500% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1374.00 | xxxxxx | $114.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/04/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $96954.12 | 40.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.72 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845013 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1126.81 | $1126.81 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2744.04 | xxxxxx | $228.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $86553.82 | 43.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.08 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845017 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4870.78 | $4870.78 | 8.125% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 3 | xxxxxx | $3546.36 | xxxxxx | $295.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $171913.34 | 20.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845018 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2697.26 | $2697.26 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2226.96 | xxxxxx | $185.58 | xxxxxx | xxxxxx | $517.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/15/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 2.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.56 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845020 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8691.71 | $8691.71 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $4455.36 | xxxxxx | $371.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845021 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $12476.24 | $12476.24 | 9.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6455.04 | xxxxxx | $537.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/25/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 24.78 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845022 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $892.51 | $892.51 | 8.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $770.04 | xxxxxx | $64.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 99.06 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845024 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $13584.38 | $13584.38 | 6.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $4040.04 | xxxxxx | $336.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | xxxxxx | $179149.24 |  | 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 | 12.42 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845030 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2149.24 | $2149.24 | 7.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2158.08 | xxxxxx | $179.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $17527.53 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845033 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1320.61 | $1320.61 | 8.500% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $744.00 | xxxxxx | $62.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $9350.26 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 28.14 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845042 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $956.41 | $956.41 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1341.60 | xxxxxx | $111.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 28.33 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845043 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4789.32 | $4789.32 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6114.00 | xxxxxx | $509.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.57 |  |  |  |  |  |  |  | xxxxxx | $71119.76 | 8.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845045 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2172.24 | $2172.24 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1509.96 | xxxxxx | $125.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 18.86 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845046 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1574.74 | $1574.74 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1925.76 | xxxxxx | $160.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $78714.19 | 27.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.41 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845050 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $114585.00 | ####### | xxxxxx | 9.608% | $9010.97 | $9010.97 | 8.999% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $237269.28 | 4 | xxxxxx | $6482.16 | xxxxxx | $540.18 |  |  |  |  |  | 20.171% | ##### | 20.171% | 05/07/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $114585.00 | xxxxxx | 6.790% | $0.00 |  |  |  |  | N/A | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $207222.77 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 18.01 |  | No | Yes | xxxxxx | $297220.07 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxxxx | 845052 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2936.70 | $2936.70 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4313.04 | xxxxxx | $359.42 | xxxxxx | xxxxxx | $65.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/30/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 43.23 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845058 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1210.60 | $1210.60 | 7.999% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $2294.16 | xxxxxx | $191.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 89.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845059 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1364.67 | $1364.67 | 7.999% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $2677.44 | xxxxxx | $223.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/11/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 90.05 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845060 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1210.60 | $1210.60 | 7.999% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $2348.76 | xxxxxx | $195.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/11/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 88.64 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845062 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1288.49 | $1288.49 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1569.00 | xxxxxx | $130.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $139409.22 | 54.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 40.14 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845066 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1982.59 | $1982.59 | 8.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1942.56 | xxxxxx | $161.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.73 | 0.58 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 10.68 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845069 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2091.92 | $2091.92 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6780.00 | xxxxxx | $565.00 | xxxxxx | xxxxxx | $100.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/08/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $85338.88 | 23.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845070 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1327.11 | $1327.11 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1923.00 | xxxxxx | $160.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 99.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845073 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $55600.00 | ####### | xxxxxx | 9.022% | $5947.46 | $5947.46 | 8.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22762.13 | 1 | xxxxxx | $3798.00 | xxxxxx | $316.50 | xxxxxx | xxxxxx | $60.00 |  | Monthly | 45.260% | ##### | 45.260% | 06/16/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<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 - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $55600.00 | xxxxxx | 6.750% | $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 | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 5.45 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 845078 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2256.64 | $2256.64 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1121.04 | xxxxxx | $93.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $50399.73 | 12.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.83 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845079 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1467.39 | $1467.39 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $840.96 | xxxxxx | $70.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 82.61 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845080 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2038.45 | $2038.45 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1292.04 | xxxxxx | $107.67 | xxxxxx | xxxxxx | $0.00 |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 49.11 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845081 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1483.73 | $1483.73 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1053.00 | xxxxxx | $87.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/15/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $684491.93 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 336.8 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845086 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2275.81 | $2275.81 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1857.00 | xxxxxx | $154.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/23/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $143741.48 | 34.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.38 | Retail |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845087 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1147.53 | $1147.53 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $980.04 | xxxxxx | $81.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 116.35 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845088 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6216.08 | $6216.08 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $648.96 | xxxxxx | $54.08 | xxxxxx | xxxxxx | $150.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/03/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.4 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $30925.00 | 2.570% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.08 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845090 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6013.24 | $6013.24 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $3731.04 | xxxxxx | $310.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | 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 | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $264729.21 | 24.620% | 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 |  |  |  |  |  |  |  |  | 6.11 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845091 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1485.73 | $1485.73 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2034.96 | xxxxxx | $169.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 89.36 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845092 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1398.62 | $1398.62 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1065.00 | xxxxxx | $88.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 96.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845095 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1395.76 | $1395.76 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2100.96 | xxxxxx | $175.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $6938.04 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 99.44 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845099 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1173.62 | $1173.62 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1080.96 | xxxxxx | $90.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $1000.00 | 0.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 168.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845106 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4582.66 | $4582.66 | 10.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 8 | xxxxxx | $5754.96 | xxxxxx | $479.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 10.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | xxxxxx | $328179.69 | 41.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.33 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845109 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2425.14 | $2425.14 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $3534.12 | xxxxxx | $294.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.53 |  |  |  |  |  |  |  | xxxxxx | $5777.23 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.14 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845111 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2101.10 | $2101.10 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2145.96 | xxxxxx | $178.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $74763.36 | 19.410% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.76 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845113 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1704.24 | $1704.24 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4395.48 | xxxxxx | $366.29 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $69434.57 | 21.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 35.79 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845120 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1452.72 | $1452.72 | 7.999% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $2661.60 | xxxxxx | $221.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/11/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 89.8 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845127 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1765.79 | $1765.79 | 9.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $773.88 | xxxxxx | $64.49 | xxxxxx | xxxxxx | $950.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/14/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.43 |  |  |  |  |  |  |  | xxxxxx | $463969.22 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 108.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845128 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2223.27 | $2223.27 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5271.96 | xxxxxx | $439.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845129 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5661.04 | $5661.04 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2845.68 | xxxxxx | $237.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.16 | 0.86 |  |  |  |  |  |  | 360 | xxxxxx | $313902.11 | 17.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845132 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4204.29 | $4204.29 | 6.999% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3150.00 | xxxxxx | $262.50 | xxxxxx | xxxxxx | $233.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/22/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | No | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.05 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845134 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11771.96 | $11771.96 | 9.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 8 | xxxxxx | $8640.96 | xxxxxx | $720.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/07/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not 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 |  |  |  |  | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $37604.16 |  | 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 | 7.78 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845414 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14778.16 | $7528.22 | xxxxxx | 7.705% | $2432.71 | $2432.71 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $5267.49 | 1 | xxxxxx | $1623.96 | xxxxxx | $135.33 |  |  |  |  |  | 37.037% | ##### | 37.037% | 08/04/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14778.16 | xxxxxx | 6.220% | $1500.00 | 1.7 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $191899.14 | 44.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 26.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845475 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4732.50 | $7405.16 | xxxxxx | 7.544% | $2417.36 | $2417.36 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13196.34 | 1 | xxxxxx | $1343.04 | xxxxxx | $111.92 | xxxxxx | xxxxxx | $1716.00 |  | Monthly | 28.894% | ##### | 28.894% | 07/15/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4732.50 | xxxxxx | 6.750% | $900.00 | 1 |  |  |  | Yes | No | 7.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $471058.68 | 100.000% | No | 20 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.61 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845489 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4175.83 | $4175.83 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1788.48 | xxxxxx | $149.04 | xxxxxx |  | $600.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/18/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $125000.00 | 15.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 40.69 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845582 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3369.50 | $4284.65 | xxxxxx | 10.019% | $977.49 | $977.49 | 9.625% | No | No | Non-Employment Income | Non-Employment Income | Self-Employed |  | 8.6 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | $3842.89 | 1 | xxxxxx | $8279.16 | xxxxxx | $689.93 |  |  |  |  |  | 45.235% | ##### | 45.235% | 08/12/2025 | 736 | 769 | 736 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 51.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3369.50 | xxxxxx | 6.570% | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2407.46 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $1235.96 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 33.62 |  |  | No | xxxxxx | $5384.96 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 845799 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2562.40 | $2562.40 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1703.40 | xxxxxx | $141.95 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 111.63 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 845823 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1803.35 | $1803.35 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2314.68 | xxxxxx | $192.89 | xxxxxx |  | $500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/29/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.16 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 90.86 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846015 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4594.76 | $4594.76 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2001.00 | xxxxxx | $166.75 | xxxxxx |  | $83.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/31/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.27 |  |  |  |  |  |  |  | xxxxxx | $1097321.02 | 88.490% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 85.62 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846038 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1166.68 | $1166.68 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $555.48 | xxxxxx | $46.29 | xxxxxx | xxxxxx | $313.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/03/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 69.29 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846098 | xxxxxx | N/A |  |  | xxxxxx | No | No | $3543.13 | $6207.09 | xxxxxx | 8.361% | $1735.59 | $1735.59 | 8.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5502.09 | 3 | xxxxxx | $1287.96 | xxxxxx | $107.33 |  |  |  |  |  | 45.694% | ##### | 45.694% | 08/06/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3543.13 | xxxxxx | 6.570% | $11000.00 |  |  |  |  | No | No | 8.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $78893.80 | 28.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.6 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 4 |
| xxxxxx | 846190 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2359.85 | $3602.42 | xxxxxx | 9.255% | $422.90 | $422.90 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6015.16 | 2 | xxxxxx | $1723.08 | xxxxxx | $143.59 |  |  |  |  |  | 42.801% | ##### | 42.801% | 08/05/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.84000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.84000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.84000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 23.84000% \| 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: 23.84000% \| 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: 23.84000% \| 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: 23.84000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $2840.00 | xxxxxx | 6.610% | $0.00 |  |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $3881.45 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $2912.55 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.66 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846206 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1821.23 | $1821.23 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1496.04 | xxxxxx | $124.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 110.24 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846209 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4348.45 | $4348.45 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2660.04 | xxxxxx | $221.67 | xxxxxx | xxxxxx | $600.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/12/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $324061.20 | 38.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.64 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846210 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1164.17 | $1164.17 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1783.08 | xxxxxx | $148.59 | xxxxxx | xxxxxx | $510.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/17/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 87.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846211 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1504.05 | $1504.05 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2512.92 | xxxxxx | $209.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.88 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846212 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4530.62 | $4530.62 | 7.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2498.04 | xxxxxx | $208.17 | xxxxxx | xxxxxx | $110.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/11/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  | 240 | xxxxxx | $340042.47 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.76 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846213 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1016.17 | $1016.17 | 6.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1541.16 | xxxxxx | $128.43 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846214 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1097.64 | $1097.64 | 6.999% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $693.00 | xxxxxx | $57.75 | xxxxxx | xxxxxx | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $356434.80 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 137.87 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846215 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1125.63 | $1125.63 | 7.499% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $438.00 | xxxxxx | $36.50 | xxxxxx | xxxxxx | $370.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/26/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 77.77 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846216 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1164.78 | $1164.78 | 7.499% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $483.00 | xxxxxx | $40.25 | xxxxxx | xxxxxx | $370.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/26/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.95 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846217 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $19013.60 | $19013.60 | 7.999% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $2795.64 | xxxxxx | $232.97 | xxxxxx | xxxxxx | $2970.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $1603189.26 | 40.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.59 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846218 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2745.16 | $2745.16 | 7.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4380.96 | xxxxxx | $365.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $344867.61 | 54.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.67 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846219 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1792.81 | $1792.81 | 6.999% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $678.00 | xxxxxx | $56.50 | xxxxxx | xxxxxx | $125.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $96554.51 | 25.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.31 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| xxxxxx | 846224 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $36032.50 | ####### | xxxxxx | 7.420% | $8598.06 | $8598.06 | 7.374% | No | No | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $18042.86 | 1 | xxxxxx | $1611.36 | xxxxxx | $134.28 | xxxxxx | xxxxxx | $650.00 |  | Annually | 39.857% | ##### | 39.857% | 06/27/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $36032.50 | xxxxxx | 6.750% | $0.00 | 2.6 |  |  |  | N/A | No | 7.374% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $138579.31 |  | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.2 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846225 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3716.33 | $3716.33 | 7.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $981.96 | xxxxxx | $81.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/29/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.56 | 1.76 |  |  |  |  |  |  |  | xxxxxx | $101750.72 | 14.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 18.35 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846228 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1748.71 | $1748.71 | 8.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2480.16 | xxxxxx | $206.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/07/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 8.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.02 |  |  |  |  |  |  |  | xxxxxx | $99064.80 | 33.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 23.22 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846230 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1033.39 | $1033.39 | 7.124% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $2498.04 | xxxxxx | $208.17 | xxxxxx | xxxxxx | $416.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $136909.29 | 58.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 |
| xxxxxx | 846231 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20432.50 | ####### | xxxxxx | 7.464% | $7264.46 | $7264.46 | 7.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $336559.49 | 1 | xxxxxx | $16119.96 | xxxxxx | $1343.33 | xxxxxx | xxxxxx | $234.00 |  | Monthly | 8.970% | 8.970% | 8.970% | 06/26/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20432.50 | xxxxxx | 6.750% | $0.00 | 2.3 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 846306 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8344.00 | $8798.80 | xxxxxx | 7.254% | $1167.48 | $1167.48 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3697.19 | 1 | xxxxxx | $1316.04 | xxxxxx | $109.67 |  |  |  |  |  | 33.569% | ##### | 33.569% | 08/06/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2007<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8344.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $6667.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846310 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $7271.50 | xxxxxx | 7.901% | $7250.70 | $7250.70 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18197.03 | 1 | xxxxxx | $7718.04 | xxxxxx | $643.17 |  |  |  |  |  | 40.128% | ##### | 40.128% | 08/09/2025 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2013 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.610% | $0.00 |  |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $40000.00 | 2.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.73 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 846321 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $3341.00 | $8135.22 | xxxxxx | 7.917% | $6674.26 | $6674.26 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18740.26 | 1 | xxxxxx | $3507.00 | xxxxxx | $292.25 |  |  |  |  |  | 39.397% | ##### | 39.397% | 07/24/2025 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Tax Return Extension - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3341.00 | xxxxxx | 6.310% | $0.00 | 1.7 |  |  |  | Yes | No | 7.875% | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $34186.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.11 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846335 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6060.00 | $9374.17 | xxxxxx | 7.586% | $5593.72 | $5593.72 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $69690.78 | 1 | xxxxxx | $3106.20 | xxxxxx | $258.85 | xxxxxx |  | $114.33 |  | Monthly | 15.017% | ##### | 15.017% | 07/23/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| 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: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6060.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $39463.41 | 3.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.66 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 846370 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2664.29 | $2664.29 | 8.500% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1142.04 | xxxxxx | $95.17 | xxxxxx |  | $300.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $214651.39 | 43.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.06 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846418 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8724.00 | ####### | xxxxxx | 7.350% | $6390.63 | $6390.63 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10799.91 | 1 | xxxxxx | $8592.96 | xxxxxx | $716.08 | xxxxxx | xxxxxx | $653.00 |  | Annually | 49.507% | ##### | 49.507% | 07/11/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8724.00 | xxxxxx | 6.610% | $0.00 | 4.3 |  |  |  | N/A | No | 7.250% | 2 |  | 2 | 0 | 3 | 2 |  |  | 7.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.68 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 846425 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1452.60 | $1452.60 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $1413.00 | xxxxxx | $117.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/14/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.66 |  |  |  |  |  |  |  | xxxxxx | $277318.06 | 69.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.95 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846557 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4513.56 | $4513.56 | 7.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $10425.96 | xxxxxx | $868.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $611816.73 | 73.710% | 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 |  |  |  |  |  |  |  |  | 55.56 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846634 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1695.00 | $3577.05 | xxxxxx | 7.207% | $2155.90 | $2155.90 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8282.61 | 1 | xxxxxx | $1914.00 | xxxxxx | $159.50 | xxxxxx | xxxxxx | $411.00 |  | Annually | 43.320% | ##### | 43.320% | 08/05/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1695.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 7.80 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $317851.04 | 79.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 123.32 |  | No | No | xxxxxx | $6621.55 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 846649 | xxxxxx | N/A |  |  | xxxxxx | No | No | $6390.40 | $9965.35 | xxxxxx | 8.318% | $1624.16 | $1624.16 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1010549.20 | 1 | xxxxxx | $1445.04 | xxxxxx | $120.42 |  |  |  |  |  | 1.518% | 1.518% | 1.518% | 08/01/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6390.40 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $99451.26 | 35.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.85 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 846741 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10995.00 | ####### | xxxxxx | 9.584% | $4579.33 | $4579.33 | 9.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $45602.86 | 1 | xxxxxx | $8653.68 | xxxxxx | $721.14 | xxxxxx | xxxxxx | $1200.00 |  | Annually | 24.476% | ##### | 24.476% | 07/30/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<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 - 2009 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10995.00 | xxxxxx | 6.100% | $0.00 | 2.7 |  |  |  | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.990% | xxxxxx | xxxxxx | $2026.57 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 58.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 846799 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3654.35 | $3654.35 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $978.96 | xxxxxx | $81.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.69 | 1.42 |  |  |  |  |  |  |  | xxxxxx | $518990.32 | 72.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 132.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 846810 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20449.38 | ####### | xxxxxx | 7.133% | $12585.42 | $16727.07 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $308853.77 | 1 | xxxxxx | $7568.64 | xxxxxx | $630.72 |  |  |  |  |  | 14.569% | ##### | 14.569% | 08/25/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20449.38 | xxxxxx | 6.540% | $11400.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $1004508.24 | 36.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.28 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 10 |
| xxxxxx | 846819 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3031.88 | $4862.59 | xxxxxx | 7.577% | $3254.84 | $3254.84 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25205.63 | 1 | xxxxxx | $918.84 | xxxxxx | $76.57 |  |  |  |  |  | 48.372% | ##### | 48.372% | 06/13/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3031.88 | xxxxxx | 6.790% | $0.00 | 2.1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.81 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 |
| xxxxxx | 846987 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1764.81 | $1764.81 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2890.44 | xxxxxx | $240.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847022 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3041.58 | $3041.58 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1699.80 | xxxxxx | $141.65 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0.84 | 1.2 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 102.16 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847088 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10369.00 | $5200.24 | xxxxxx | 7.500% | $2127.28 | $2127.28 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $11909.24 | 1 | xxxxxx | $1532.04 | xxxxxx | $127.67 | xxxxxx | xxxxxx | $506.00 |  | Annually | 17.365% | ##### | 17.365% | 08/13/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10369.00 | xxxxxx | 6.630% | $1000.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $151176.11 | 39.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 25.01 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847092 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13865.00 | ####### |  | 9.307% | $3222.28 | $3222.28 | 8.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $63773.51 | 1 | xxxxxx | $696.96 | xxxxxx | $58.08 |  |  |  |  |  | 12.638% | ##### | 12.638% | 08/20/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 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 | No | xxxxxx | xxxxxx | $13865.00 |  | 6.540% | $17999.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7060.41 | 1.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.03 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 847123 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5824.35 | $5824.35 | 8.124% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3282.00 | xxxxxx | $273.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.45 |  |  |  |  |  |  |  | xxxxxx | $976227.86 | 93.320% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.59 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847137 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9781.50 | ####### | xxxxxx | 7.419% | $5627.95 | $5627.95 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $39376.15 | 2 | xxxxxx | $14220.00 | xxxxxx | $1185.00 |  |  |  |  |  | 36.737% | ##### | 36.737% | 08/20/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2005<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2005<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2005<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9781.50 | xxxxxx | 6.630% | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1445371.58 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 219.76 |  | No | No | xxxxxx | $62241.58 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 847159 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2345.00 | $4783.89 | xxxxxx | 7.091% | $2128.97 | $2128.97 | 7.000% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $7999.69 | 1 | xxxxxx | $1767.00 | xxxxxx | $147.25 | xxxxxx |  | $500.00 |  | Annually | 49.106% | ##### | 49.106% | 08/21/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2345.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $14225.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 118.13 |  | No | No | xxxxxx | $15718.22 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| xxxxxx | 847173 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2445.00 | $5867.28 | xxxxxx | 7.150% | $9169.31 | $9169.31 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $54158.66 | 1 | xxxxxx | $9912.00 | xxxxxx | $826.00 |  |  |  |  |  | 39.827% | ##### | 39.827% | 08/20/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| 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: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2445.00 | xxxxxx | 6.570% | $0.00 | 2.6 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $84845.38 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.25 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 |
| xxxxxx | 847211 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5687.50 | $5687.50 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3573.96 | xxxxxx | $297.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.39 | 2.52 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 28.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847212 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6943.49 | $6943.49 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3826.92 | xxxxxx | $318.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.5 | 1.96 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 29.08 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847229 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1223.63 | $1223.63 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1438.68 | xxxxxx | $119.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 40.64 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847231 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1410.19 | $1410.19 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1943.76 | xxxxxx | $161.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847232 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1262.68 | $1262.68 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1422.00 | xxxxxx | $118.50 | xxxxxx | xxxxxx | $0.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/24/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 152.87 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847233 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1545.26 | $1545.26 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2249.04 | xxxxxx | $187.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $7998.74 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 3.49 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847236 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1090.00 | $1090.00 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1715.76 | xxxxxx | $142.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 60.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847240 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1910.75 | $1910.75 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1861.32 | xxxxxx | $155.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/09/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.28 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847241 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1592.54 | $1592.54 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1280.04 | xxxxxx | $106.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847242 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1605.13 | $1605.13 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1540.56 | xxxxxx | $128.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/27/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $225017.85 | 67.770% | 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 |  |  |  |  |  |  |  |  | 55.3 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847245 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2776.71 | $2776.71 | 8.625% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $3561.00 | xxxxxx | $296.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/06/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | xxxxxx | $46045.00 | 9.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 0.01 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847246 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1810.97 | $1810.97 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1583.04 | xxxxxx | $131.92 | xxxxxx | xxxxxx | $486.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/07/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  | 60 |  |  |  |  | xxxxxx | $261846.12 | 70.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.15 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847247 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1491.83 | $1491.83 | 8.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2439.96 | xxxxxx | $203.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/03/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 105.23 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847249 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3359.97 | $3359.97 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $7184.04 | xxxxxx | $598.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $152121.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.36 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847251 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1272.57 | $1272.57 | 7.500% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2774.04 | xxxxxx | $231.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/12/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 112.12 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847252 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1105.08 | $1105.08 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2434.56 | xxxxxx | $202.88 | xxxxxx | xxxxxx | $385.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/10/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 85.5 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847253 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3286.31 | $3286.31 | 7.500% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 4 | xxxxxx | $5271.96 | xxxxxx | $439.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | xxxxxx | $730.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.19 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847254 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1404.72 | $1404.72 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $693.00 | xxxxxx | $57.75 | xxxxxx | xxxxxx | $1400.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/28/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 1.2 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.05 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847255 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2845.42 | $2845.42 | 8.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | xxxxxx | $4824.96 | xxxxxx | $402.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $23382.97 | 4.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.98 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847256 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $997.85 | $997.85 | 6.999% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $561.00 | xxxxxx | $46.75 | xxxxxx | xxxxxx | $687.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/17/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.999% | 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 | 14.68 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847258 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1169.37 | $1169.37 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1161.00 | xxxxxx | $96.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $74846.07 | 33.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847259 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1740.17 | $1740.17 | 7.875% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1250.76 | xxxxxx | $104.23 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/15/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.875% | 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 | 18.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847261 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $53740.00 | ####### | xxxxxx | 8.088% | $4246.76 | $4246.76 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22546.79 | 1 | xxxxxx | $5523.12 | xxxxxx | $460.26 |  |  |  |  |  | 46.363% | ##### | 46.363% | 08/07/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $53740.00 | xxxxxx | 6.750% | $0.00 | 1.2 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $665576.96 | 83.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 75.91 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxxxx | 847281 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14115.00 | $7976.83 | xxxxxx | 9.010% | $4232.83 | $4232.83 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22689.08 | 1 | xxxxxx | $1481.04 | xxxxxx | $123.42 | xxxxxx | xxxxxx | $234.00 |  | Monthly | 24.370% | ##### | 24.370% | 08/06/2025 | 622 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14115.00 | xxxxxx | 6.630% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $473964.95 | 62.360% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.52 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847301 | xxxxxx | N/A |  |  | xxxxxx | No | No | $37162.50 | ####### | xxxxxx | 7.144% | $4317.81 | $4317.81 | 7.000% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $71142.19 | 1 | xxxxxx | $1725.00 | xxxxxx | $143.75 |  |  |  |  |  | 22.342% | ##### | 22.342% | 09/24/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - 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 - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - 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> [Coborrower(s) - 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> [Coborrower(s) - 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> [Coborrower(s) - 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 - 2005 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $37162.50 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $549013.90 | 52.330% | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 65.64 |  | No | Yes | xxxxxx | $91610.02 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 |
| xxxxxx | 847317 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $4471.52 | $5770.12 | xxxxxx | 8.693% | $2368.25 | $2368.25 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17396.89 | 1 | xxxxxx | $1853.28 | xxxxxx | $154.44 |  |  |  |  |  | 25.822% | ##### | 25.822% | 07/03/2025 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement | Chapter 7 |  | xxxxxx | 1 | 91.2 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4471.52 | xxxxxx | 6.570% | $9696.88 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $150411.19 | 39.060% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847319 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19825.00 | ####### | xxxxxx | 7.877% | $1817.96 | $1817.96 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20279.10 | 1 | xxxxxx | $3682.92 | xxxxxx | $306.91 | xxxxxx | xxxxxx | $968.00 |  | Monthly | 37.882% | ##### | 37.882% | 08/29/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19825.00 | xxxxxx | 6.630% | $3000.00 |  |  |  |  | N/A | No | 7.500% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1146959.90 | 100.000% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 409.87 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| xxxxxx | 847374 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2457.06 | $2457.06 | 7.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1398.12 | xxxxxx | $116.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.19 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.43 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847375 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13395.00 | ####### | xxxxxx | 7.956% | $3340.47 | $3340.47 | 7.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30521.85 | 1 | xxxxxx | $1608.00 | xxxxxx | $134.00 |  |  |  |  |  | 22.777% | ##### | 22.777% | 08/22/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13395.00 | xxxxxx | 6.630% | $17700.00 | 1 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $25000.00 | 4.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.04 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 847383 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3994.26 | $3994.26 | 6.499% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3431.04 | xxxxxx | $285.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.04 |  |  |  |  |  |  |  | xxxxxx | $214740.10 | 27.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847384 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11718.67 | $11718.67 | 8.249% | No | No |  |  |  |  | 0 | 0 |  | Non-Permanent Resident Alien |  | Non-Permanent Resident Alien |  |  |  |  |  | 1 | xxxxxx | $3447.00 | xxxxxx | $287.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/09/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 8.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.24 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Member | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  | No | 24.87 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847387 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3802.97 | $3802.97 | 7.865% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2579.04 | xxxxxx | $214.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 13 |  | xxxxxx | 1 |  | 121.08 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 7.865% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | xxxxxx | $84226.02 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847389 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2956.97 | $2956.97 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1286.04 | xxxxxx | $107.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.17 |  |  |  |  |  |  |  | xxxxxx | $245003.71 | 38.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.41 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847393 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1254.19 | $1254.19 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1276.08 | xxxxxx | $106.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  |  |  |  |  | xxxxxx | $93315.42 | 43.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.92 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847400 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $27045.00 | ####### | xxxxxx | 7.105% | $5941.44 | $6306.74 | 6.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $85413.50 | 1 | xxxxxx | $7678.08 | xxxxxx | $639.84 | xxxxxx | xxxxxx | $400.00 |  | Monthly | 9.861% | 9.476% | 9.861% | 03/21/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27045.00 | xxxxxx | 6.610% | $0.00 | 3.7 | DU |  | ApproveIneligible | No | No | 7.084% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $124713.35 | 10.610% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.22 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847446 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9830.04 | ####### | xxxxxx | 7.479% | $3356.31 | $3356.31 | 7.250% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12398.69 | 1 | xxxxxx | $2832.36 | xxxxxx | $236.03 |  |  |  |  |  | 39.590% | ##### | 39.590% | 09/02/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Account Statements - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9830.04 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $188782.25 | 30.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 9.66 |  | Yes | No | xxxxxx | $1889.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 847554 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6622.48 | $7334.21 |  | 8.520% | $3739.56 | $3739.56 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28294.63 | 1 | xxxxxx | $2999.52 | xxxxxx | $249.96 | xxxxxx | xxxxxx | $1696.00 |  | Annually | 16.195% | ##### | 16.195% | 07/16/2025 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; Account Transcripts - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6622.48 |  | 6.220% | $10000.00 | 3.7 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 2 | 1 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $328394.91 | 53.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.5 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847584 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $32251.40 | ####### | xxxxxx | 7.478% | $6526.88 | $6526.88 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24002.17 | 1 | xxxxxx | $2436.96 | xxxxxx | $203.08 |  |  |  |  |  | 39.212% | ##### | 39.212% | 08/25/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32251.40 | xxxxxx | 6.570% | $285000.00 | 2.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $404668.24 | 32.110% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.35 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 847706 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9190.00 | ####### | xxxxxx | 7.355% | $12279.17 | $12279.17 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23031.03 | 1 | xxxxxx | $5781.00 | xxxxxx | $481.75 |  |  |  |  |  | 47.688% | ##### | 47.688% | 09/17/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - Year Not Available | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9190.00 | xxxxxx | 6.570% | $0.00 |  |  |  |  | No | No | 7.250% | 0 |  | 1 | 0 | 2 | 1 |  |  | 8.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1011354.86 | 44.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.47 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| xxxxxx | 847759 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $14135.00 | ####### | xxxxxx | 8.075% | $5655.54 | $5655.54 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $9594.18 | 1 | xxxxxx | $2739.96 | xxxxxx | $228.33 | xxxxxx | xxxxxx | $780.00 |  | Annually | 46.439% | ##### | 46.439% | 08/28/2025 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2010 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14135.00 | xxxxxx | 6.540% | $0.00 | 1.1 |  |  |  | Yes | No | 7.875% | 0 |  | 1 | 0 | 3 | 0 |  |  | 8.93 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $123824.07 | 12.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.61 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847809 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7999.00 | $9634.54 | xxxxxx | 7.637% | $2465.71 | $2465.71 | 7.375% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13599.59 | 1 | xxxxxx | $1890.96 | xxxxxx | $157.58 |  |  |  |  |  | 37.545% | ##### | 37.545% |  | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 82.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7999.00 | xxxxxx | 6.540% | $0.00 | 1.2 |  |  |  | N/A | No | 7.375% | 0 | 1 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $43360.36 | 10.290% | No |  | 20 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 20.89 |  | No | No | xxxxxx | $0.00 | $3863.53 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| xxxxxx | 847825 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8575.03 | ####### | xxxxxx | 8.086% | $3266.13 | $3266.13 | 7.874% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $28935.81 | 1 | xxxxxx | $2105.04 | xxxxxx | $175.42 |  |  |  |  |  | 22.553% | ##### | 22.553% | 07/21/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 100.000% | 85.000% | 15.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| 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: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 85.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2022 | [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 | $8575.03 | xxxxxx | 6.790% | $0.00 | 5 |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  | 13 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 0.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 1.91 |  | Yes | No | xxxxxx | $5604.34 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 847833 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22157.50 | ####### | xxxxxx | 8.801% | $12814.19 | $12814.19 | 8.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31366.82 | 1 | xxxxxx | $4287.00 | xxxxxx | $357.25 |  |  |  |  |  | 37.058% | ##### | 37.058% | 07/30/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $22157.50 | xxxxxx | 6.610% | $0.00 | 4 |  |  |  | No | No | 8.749% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $306370.16 | 16.920% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.57 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847834 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1562.92 | $1562.92 | 7.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1128.00 | xxxxxx | $94.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  | 240 | xxxxxx | $150715.96 | 45.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 28.2 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847845 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6155.00 | $8212.47 | xxxxxx | 6.988% | $2127.41 | $2127.41 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17964.10 | 1 | xxxxxx | $3926.04 | xxxxxx | $327.17 |  |  |  |  |  | 24.735% | ##### | 24.735% | 09/03/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6155.00 | xxxxxx | 6.540% | $12300.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $16525.61 | 4.030% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.73 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847851 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16981.00 | ####### | xxxxxx | 7.503% | $4177.05 | $4177.05 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17950.69 | 1 | xxxxxx | $2739.00 | xxxxxx | $228.25 |  |  |  |  |  | 30.099% | ##### | 30.099% | 08/04/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16981.00 | xxxxxx | 6.540% | $5000.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $256246.35 | 33.060% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 847893 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10975.00 | ####### | xxxxxx | 6.578% | $3649.64 | $3649.64 | 6.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10469.67 | 1 | xxxxxx | $1377.00 | xxxxxx | $114.75 |  |  |  |  |  | 41.706% | ##### | 41.706% | 06/24/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10975.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $296171.45 | 33.460% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.28 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| xxxxxx | 847915 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $26480.00 | ####### | xxxxxx | 6.896% | $13138.57 | $13138.57 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $64107.66 | 1 | xxxxxx | $4875.24 | xxxxxx | $406.27 |  |  |  |  |  | 33.865% | ##### | 33.865% | 08/27/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26480.00 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.61 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 847963 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $20366.00 | $6004.70 | xxxxxx | 6.678% | $5890.87 | $5890.87 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15416.63 | 1 | xxxxxx | $2694.96 | xxxxxx | $224.58 |  |  |  |  |  | 33.956% | ##### | 33.956% | 09/09/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20366.00 | xxxxxx | 6.320% | $4464.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $489149.40 | 42.530% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 847976 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $25063.50 | ####### | xxxxxx | 7.575% | $6190.75 | $6190.75 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $52080.79 | 1 | xxxxxx | $2502.00 | xxxxxx | $208.50 |  |  |  |  |  | 35.577% | ##### | 35.577% | 08/05/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $25063.50 | xxxxxx | 6.540% | $30000.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $220562.02 | 18.220% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.1 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |  |  |  | No | No | No | No | 5 |
| xxxxxx | 847985 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5690.00 | $9263.91 | xxxxxx | 7.483% | $2619.56 | $2619.56 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7612.18 | 1 | xxxxxx | $783.00 | xxxxxx | $65.25 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 30.798% | ##### | 30.798% | 07/28/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5690.00 | xxxxxx | 6.630% | $1000.00 | 3.8 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $116954.72 | 24.360% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.09 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 848052 | xxxxxx | N/A |  |  | xxxxxx | No | No | $13704.00 | ####### |  | 7.368% | $4008.63 | $4008.63 | 7.125% | No | No | Not Employed | Employed | Employed |  | 0.99 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $31172.10 | 1 | xxxxxx | $1173.96 | xxxxxx | $97.83 | xxxxxx | xxxxxx | $965.26 |  | Monthly | 34.363% | ##### | 34.363% | 08/12/2025 | 777 | 782 | 755 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13704.00 |  | 6.220% | $0.00 | 2.8 |  |  |  | No | No | 7.125% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $306424.37 |  | No |  | 31 | 9 |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 72.08 |  | No | No | xxxxxx | $0.00 | $47491.61 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 848124 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $0.00 | $2904.00 |  | 7.508% | $3552.01 | $3552.01 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13274.24 | 1 | xxxxxx | $1871.04 | xxxxxx | $155.92 |  |  |  |  |  | 28.235% | ##### | 28.235% | 08/22/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| 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: 21.00000% \| 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: 21.00000% \| 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: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  | 6.220% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1796.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.22 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848140 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3090.27 | $4399.27 | xxxxxx | 7.281% | $1665.44 | $1665.44 | 7.125% | No | No | Non-Employment Income | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11380.28 | 1 | xxxxxx | $729.96 | xxxxxx | $60.83 | xxxxxx | xxxxxx | $2000.00 |  | Annually | 31.490% | ##### | 31.490% | 08/08/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3090.27 | xxxxxx | 6.610% | $0.00 | 1.6 |  |  |  | N/A | No | 7.125% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $239109.68 | 77.380% | No |  | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 82.4 |  | No | No |  | $0.00 | $12960.13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 848163 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2490.00 | $6115.88 | xxxxxx | 8.467% | $4931.62 | $6086.85 | 9.372% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $16659.17 | 1 | xxxxxx | $1491.96 | xxxxxx | $124.33 |  |  |  |  |  | 30.838% | ##### | 30.838% | 08/22/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2490.00 | xxxxxx | 6.740% | $0.00 |  |  |  |  | Yes | No | 9.372% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $126706.79 | 13.840% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.51 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848179 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10248.75 | ####### | xxxxxx | 7.394% | $5180.73 | $6777.47 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10619.16 | 1 | xxxxxx | $1643.04 | xxxxxx | $136.92 |  |  |  |  |  | 43.667% | ##### | 43.667% | 09/11/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10248.75 | xxxxxx | 6.540% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $1001030.24 | 81.710% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.4 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848242 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $0.00 | $1100.23 | xxxxxx | 7.018% | $3326.51 | $3326.51 | 7.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $16512.41 | 1 | xxxxxx | $2449.92 | xxxxxx | $204.16 | xxxxxx | xxxxxx | $2988.00 |  | Annually | 23.595% | ##### | 23.595% | 04/07/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.790% | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | 7.000% | 1 | 0 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $496333.93 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 7.78 |  |  | No | xxxxxx | $10972.54 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848273 | xxxxxx | N/A |  |  | xxxxxx | No | No | $11513.60 | ####### | xxxxxx | 7.134% | $6386.90 | $6386.90 | 7.000% | No | No | Not Employed | Employed | Employed |  | 3.2 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $13597.15 | 1 | xxxxxx | $1807.20 | xxxxxx | $150.60 |  |  |  |  |  | 46.460% | ##### | 46.460% | 09/05/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11513.60 | xxxxxx | 6.540% | $15000.00 | 3.7 |  |  |  | No | No | 7.000% | 0 | 1 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $125830.76 | 10.480% | No |  | 32 | 32 |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 11.19 |  | No | No | xxxxxx | $0.00 | $25396.18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 5 |
| xxxxxx | 848305 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11969.00 | ####### |  | 8.829% | $3431.28 | $3431.28 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10716.21 | 1 | xxxxxx | $1558.56 | xxxxxx | $129.88 |  |  |  |  |  | 34.387% | ##### | 34.387% | 08/05/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No | xxxxxx | xxxxxx | $11969.00 |  | 6.570% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1283.33 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.2 |  |  | No | xxxxxx | $0.00 | $0.00 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848307 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $34898.00 | ####### | xxxxxx | 8.947% | $11410.18 | $11410.18 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $97969.83 | 1 | xxxxxx | $5297.04 | xxxxxx | $441.42 |  |  |  |  |  | 26.335% | ##### | 26.335% | 08/01/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 | No | xxxxxx | xxxxxx | $34898.00 | xxxxxx | 6.610% | $48900.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $61709.66 | 3.780% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.75 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| xxxxxx | 848308 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2344.00 | $5156.83 | xxxxxx | 8.019% | $13333.33 | $16728.79 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $58285.82 | 1 | xxxxxx | $3805.08 | xxxxxx | $317.09 | xxxxxx | xxxxxx | $0.00 |  | Monthly | 40.020% | ##### | 40.020% | 08/12/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $2344.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $271994.29 | 10.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.77 |  | No | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| xxxxxx | 848309 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12979.20 | ####### | xxxxxx | 7.787% | $6794.82 | $6794.82 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30787.22 | 1 | xxxxxx | $1599.96 | xxxxxx | $133.33 |  |  |  |  |  | 32.149% | ##### | 32.149% | 09/08/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12979.20 | xxxxxx | 6.570% | $0.00 | 3.3 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $415815.68 | 34.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.57 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 |
| xxxxxx | 848335 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12939.00 | $3338.48 | xxxxxx | 7.025% | $3801.69 | $3801.69 | 6.990% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $73055.98 | 1 | xxxxxx | $1347.00 | xxxxxx | $112.25 |  |  |  |  |  | 13.881% | ##### | 13.881% | 09/08/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12939.00 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $214335.69 | 29.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.42 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 848338 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6655.25 | $9247.97 | xxxxxx | 8.939% | $1585.88 | $1585.88 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16190.07 | 1 | xxxxxx | $2278.08 | xxxxxx | $189.84 |  |  |  |  |  | 31.521% | ##### | 31.521% | 09/08/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2013<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6655.25 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $41136.55 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.05 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 848345 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9371.00 | $4247.08 | xxxxxx | 7.638% | $1616.58 | $1616.58 | 7.500% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $11349.51 | 1 | xxxxxx | $1609.20 | xxxxxx | $134.10 | xxxxxx | xxxxxx | $150.00 |  | Annually | 43.253% | ##### | 43.253% | 09/07/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9371.00 | xxxxxx | 6.320% | $0.00 | 2.5 |  |  |  | No | No | 7.500% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $330902.61 | 100.000% | No |  | 8 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 141.66 |  | No | No | xxxxxx | $0.00 | $20000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 848353 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21453.88 | ####### | xxxxxx | 7.196% | $6661.75 | $6661.75 | 7.000% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15707.06 | 1 | xxxxxx | $5466.00 | xxxxxx | $455.50 |  |  |  |  |  | 37.232% | ##### | 37.232% | 09/12/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21453.88 | xxxxxx | 6.540% | $50000.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $237790.46 | 17.740% | No | 23 | 32 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.61 |  | Yes | No | xxxxxx | $0.00 | $6929.58 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 848418 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2450.00 | $4402.00 | xxxxxx | 7.029% | $1576.63 | $1576.63 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14057.84 | 1 | xxxxxx | $895.44 | xxxxxx | $74.62 | xxxxxx |  | $42.50 |  | Monthly | 22.526% | ##### | 22.526% | 08/12/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2450.00 | xxxxxx | 6.630% | $230853.81 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $12239.09 | 2.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848433 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15582.10 | ####### | xxxxxx | 7.706% | $3660.58 | $3660.58 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8137.96 | 1 | xxxxxx | $1338.96 | xxxxxx | $111.58 |  |  |  |  |  | 38.009% | ##### | 38.009% | 08/22/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15582.10 | xxxxxx | 6.320% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848448 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5310.00 | $5986.95 | xxxxxx | 9.232% | $2134.36 | $2134.36 | 8.990% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $3508.72 | 1 | xxxxxx | $2197.32 | xxxxxx | $183.11 |  |  |  |  |  | 48.891% | ##### | 48.891% | 08/07/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5310.00 | xxxxxx | 6.320% | $8850.00 | 1 |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $29935.11 | 10.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 7.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848473 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $27202.30 | $9342.70 | xxxxxx | 8.128% | $5351.39 | $5351.39 | 7.990% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $260862.56 | 1 | xxxxxx | $8455.20 | xxxxxx | $704.60 |  |  |  |  |  | 4.071% | 4.071% | 4.071% | 08/06/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 62.500% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 62.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 62.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 62.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 62.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 62.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 62.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2003<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 62.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2003<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 62.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2003 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27202.30 | xxxxxx | 6.320% | $0.00 | 2.7 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  | HELOC | No |  |  |  |  |  | xxxxxx | $12737.62 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 56.47 |  |  | No | xxxxxx | $271934.13 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848532 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8118.50 | ####### | xxxxxx | 7.481% | $1272.39 | $1272.39 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10646.42 | 1 | xxxxxx | $293.88 | xxxxxx | $24.49 | xxxxxx | xxxxxx | $263.00 |  | Monthly | 40.644% | ##### | 40.644% | 09/01/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8118.50 | xxxxxx | 6.220% | $3000.00 | 1 |  |  |  | Yes | No | 7.000% | 1 |  | 1 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $221129.23 | 86.710% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.07 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 |
| xxxxxx | 848572 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7330.68 | $7330.68 | 7.990% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1913.04 | xxxxxx | $159.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.3 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.38 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| xxxxxx | 848579 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1859.84 | $1859.84 | 7.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1185.96 | xxxxxx | $98.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $67851.52 | 18.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 105.31 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848586 | xxxxxx | N/A |  |  | xxxxxx | No | No | $14160.10 | $8576.49 | xxxxxx | 7.177% | $1624.25 | $1624.25 | 6.865% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5883.45 | 1 | xxxxxx | $2306.04 | xxxxxx | $192.17 | xxxxxx | xxxxxx | $300.00 |  | Annually | 38.209% | ##### | 38.209% | 08/12/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012<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 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $14160.10 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 6.865% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 96.9 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 848588 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2315.58 | $2315.58 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2482.68 | xxxxxx | $206.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | 0.93 | 1.06 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 102.12 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848590 | xxxxxx | N/A |  |  | xxxxxx | No | No | $63000.00 | ####### | xxxxxx | 7.908% | $6441.50 | $6441.50 | 7.740% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20879.25 | 1 | xxxxxx | $4554.36 | xxxxxx | $379.53 | xxxxxx | xxxxxx | $1925.00 |  | Annually | 45.790% | ##### | 45.790% | 07/16/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $63000.00 | xxxxxx | 6.630% | $0.00 | 2.5 |  |  |  | N/A | No | 7.740% | 2 |  | 2 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $99750.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.71 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| xxxxxx | 848591 | xxxxxx | N/A |  |  | xxxxxx | No | No | $42395.00 | $5429.65 | xxxxxx | 6.402% | $5065.30 | $5065.30 | 6.374% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $18917.16 | 1 | xxxxxx | $2298.96 | xxxxxx | $191.58 | xxxxxx | xxxxxx | $96.00 |  | Monthly | 41.075% | ##### | 41.075% |  | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 24 | Business | 64.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $42395.00 | xxxxxx | 6.570% | $0.00 | 3.6 |  |  |  | N/A | No | 6.374% | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $778347.08 | 18.310% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 106.7 |  | No | No | xxxxxx | $4314.55 | $5231.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 848593 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9835.00 | ####### | xxxxxx | 6.974% | $10552.68 | $10552.68 | 6.865% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20239.30 | 1 | xxxxxx | $8277.96 | xxxxxx | $689.83 |  |  |  |  |  | 41.815% | ##### | 41.815% | 08/18/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9835.00 | xxxxxx | 6.570% | $200000.00 | 2.8 |  |  |  | N/A | No | 6.865% | 0 |  | 0 | 0 | 0 | 0 |  |  | 25.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $271299.87 | 13.490% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.81 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848621 | xxxxxx | N/A |  |  | xxxxxx | No | No | $29085.00 | ####### | xxxxxx | 7.751% | $3325.00 | $4285.76 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21788.92 | 1 | xxxxxx | $2301.00 | xxxxxx | $191.75 |  |  |  |  |  | 34.897% | ##### | 34.897% | 09/12/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29085.00 | xxxxxx | 6.320% | $0.00 | 2.1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.65 |  | No | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 848650 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4401.42 | $4401.42 | 6.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1044.00 | xxxxxx | $87.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 804 | 797 | 787 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.55 | 1.79 |  |  |  |  |  |  |  | xxxxxx | $912483.17 | 74.790% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 59.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848652 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2388.80 | $2388.80 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1690.80 | xxxxxx | $140.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/30/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $70493.03 | 15.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.01 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848700 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9987.70 | $7191.66 | xxxxxx | 7.879% | $1751.79 | $1751.79 | 7.625% | No | No | Not Employed | Not Employed | Self-Employed |  | 2.76 |  |  |  | xxxxxx |  |  |  |  |  | $8903.66 | 1 | xxxxxx | $1689.96 | xxxxxx | $140.83 |  |  |  |  |  | 37.973% | ##### | 37.973% | 09/16/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $9987.70 | xxxxxx | 6.220% | $0.00 | 2.5 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $462606.52 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 184.12 |  | No | Yes | xxxxxx | $13033.03 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 848704 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19907.09 | $8728.64 | xxxxxx | 7.990% | $3913.56 | $3913.56 | 7.875% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $20338.29 | 1 | xxxxxx | $2099.04 | xxxxxx | $174.92 | xxxxxx |  | $664.00 |  | Monthly | 28.460% | ##### | 28.460% | 09/16/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $19907.09 | xxxxxx | 6.320% | $1587.50 | 1 |  |  |  | No | No | 7.875% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $552370.49 | 86.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 81.17 |  | No | No | xxxxxx | $0.00 | $28429.04 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 848723 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10690.00 | $5669.50 | xxxxxx | 6.831% | $3995.36 | $3995.36 | 6.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6319.03 | 1 | xxxxxx | $1749.00 | xxxxxx | $145.75 |  |  |  |  |  | 44.243% | ##### | 44.243% | 09/05/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10690.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $387575.03 | 50.330% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 42.49 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848737 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15535.00 | ####### |  | 7.563% | $4093.06 | $4093.06 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $12520.01 | 1 | xxxxxx | $2487.00 | xxxxxx | $207.25 |  |  |  |  |  | 32.694% | ##### | 32.694% | 07/14/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15535.00 |  | 6.220% | $0.00 | 2.4 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 32.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $245506.53 | 32.730% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 24.83 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848754 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14190.00 | ####### | xxxxxx | 7.194% | $3908.73 | $3908.73 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $42758.89 | 1 | xxxxxx | $2025.96 | xxxxxx | $168.83 |  |  |  |  |  | 26.797% | ##### | 26.797% | 06/24/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14190.00 | xxxxxx | 6.220% | $470000.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1069860.61 | 71.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 106.63 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848770 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $25600.00 | $9998.65 |  | 7.461% | $6354.21 | $6354.21 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14158.60 | 1 | xxxxxx | $2615.40 | xxxxxx | $217.95 |  |  |  |  |  | 36.909% | ##### | 36.909% | 08/15/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25600.00 |  | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $37115.44 | 3.220% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848783 | xxxxxx | N/A |  |  | xxxxxx | No | No | $84095.00 | ####### | xxxxxx | 7.231% | $9432.06 | $9432.06 | 7.125% | No | No | Not Employed | Non-Employment Income | Self-Employed |  | 20.79 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $245965.63 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $2103.00 |  | Monthly | 48.051% | ##### | 48.051% | 09/25/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | Yes | Yes | 12 | Business | 93.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $84095.00 | xxxxxx | 6.220% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $2035926.27 |  | 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 | 177.26 |  | No | No | xxxxxx | $473475.09 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 25 |
| xxxxxx | 848843 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $43742.50 | ####### | xxxxxx | 7.267% | $16495.02 | $16495.02 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $49023.37 | 1 | xxxxxx | $2358.00 | xxxxxx | $196.50 |  |  |  |  |  | 29.524% | ##### | 29.524% | 08/05/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $43742.50 | xxxxxx | 6.630% | $0.00 | 3.2 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $256072.80 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.66 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848848 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5983.00 | $6565.30 | xxxxxx | 7.288% | $2619.42 | $2619.42 | 7.125% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4250.30 | 1 | xxxxxx | $1760.04 | xxxxxx | $146.67 | xxxxxx | xxxxxx | $540.00 |  | Annually | 46.871% | ##### | 46.871% | 07/26/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5983.00 | xxxxxx | 6.610% | $2000.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $127102.99 | 26.150% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848851 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6063.75 | $8585.53 | xxxxxx | 7.164% | $2747.70 | $2747.70 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8482.63 | 1 | xxxxxx | $2817.48 | xxxxxx | $234.79 | xxxxxx |  | $800.00 |  | Annually | 27.822% | ##### | 27.822% | 07/28/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6063.75 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848863 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1450.00 | ####### | xxxxxx | 7.308% | $9277.60 | $9277.60 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28140.79 | 1 | xxxxxx | $5625.36 | xxxxxx | $468.78 |  |  |  |  |  | 29.408% | ##### | 29.408% | 08/05/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2005 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1450.00 | xxxxxx | 6.570% | $0.00 | 2.2 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $5616225.57 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 455.56 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848869 | xxxxxx | N/A |  |  | xxxxxx | No | No | $54290.00 | ####### | xxxxxx | 7.600% | $6992.15 | $6992.15 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $94693.28 | 4 | xxxxxx | $2424.96 | xxxxxx | $202.08 |  |  |  |  |  | 20.025% | ##### | 20.025% | 08/13/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $54290.00 | xxxxxx | 6.570% | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $43484.81 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 10.89 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 848873 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22450.00 | $5843.38 | xxxxxx | 7.155% | $7074.04 | $7074.04 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18999.09 | 1 | xxxxxx | $2885.04 | xxxxxx | $240.42 | xxxxxx | xxxxxx | $165.00 |  | Annually | 31.142% | ##### | 31.142% | 08/05/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22450.00 | xxxxxx | 6.540% | $0.00 | 2.6 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.73 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| xxxxxx | 848877 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6864.00 | $9314.67 |  | 7.829% | $1146.06 | $1146.06 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3161.20 | 1 | xxxxxx | $1357.92 | xxxxxx | $113.16 |  |  |  |  |  | 37.138% | ##### | 37.138% | 05/29/2025 | 826 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6864.00 |  | 6.220% | $0.00 | 2.6 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $429606.25 | 76.710% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 848921 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9465.00 | ####### | xxxxxx | 7.520% | $5608.28 | $5608.28 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26714.49 | 1 | xxxxxx | $4254.96 | xxxxxx | $354.58 |  |  |  |  |  | 46.588% | ##### | 46.588% | 09/18/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| 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: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9465.00 | xxxxxx | 6.310% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $6695.21 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.81 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| xxxxxx | 848948 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5535.00 | $2026.44 | xxxxxx | 8.120% | $1262.08 | $1262.08 | 8.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5582.75 | 1 | xxxxxx | $2012.76 | xxxxxx | $167.73 |  |  |  |  |  | 31.215% | ##### | 31.215% | 07/14/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5535.00 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $58721.06 | 27.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 5.03 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848958 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7082.00 | $8304.03 | xxxxxx | 6.946% | $1506.01 | $1506.01 | 6.625% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6393.39 | 1 | xxxxxx | $1796.40 | xxxxxx | $149.70 |  |  |  |  |  | 27.195% | ##### | 27.195% | 05/22/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Royalty]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Royalty]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Royalty]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Royalty]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7082.00 | xxxxxx | 6.920% | $0.00 | 2.8 | LP / LPA |  | Accept/Eligible | Yes | No | 6.625% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 113 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848971 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7337.50 | $8848.98 | xxxxxx | 7.684% | $1761.22 | $1761.22 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4316.73 | 1 | xxxxxx | $4418.04 | xxxxxx | $368.17 |  |  |  |  |  | 46.986% | ##### | 46.986% | 06/03/2025 | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7337.50 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $704401.25 | 82.870% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 848974 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15745.51 | ####### | xxxxxx | 8.312% | $2969.16 | $2969.16 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $50492.67 | 1 | xxxxxx | $1607.04 | xxxxxx | $133.92 | xxxxxx | xxxxxx | $1250.00 |  | Annually | 8.847% | 8.847% | 8.847% | 08/25/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15745.51 | xxxxxx | 6.320% | $10000.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $67182.21 | 14.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 849007 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5141.88 | $7606.60 | xxxxxx | 8.594% | $2565.24 | $2565.24 | 8.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $20358.56 | 1 | xxxxxx | $1755.00 | xxxxxx | $146.25 |  |  |  |  |  | 33.496% | ##### | 33.496% | 09/10/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $5141.88 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 98.74 |  |  | Yes | xxxxxx | $30612.59 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 849025 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $3070.04 | xxxxxx | 7.242% | $1726.48 | $1726.48 | 7.125% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5504.87 | 1 | xxxxxx | $947.04 | xxxxxx | $78.92 | xxxxxx |  | $356.00 |  | Monthly | 33.614% | ##### | 33.614% | 08/07/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023 | [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 - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.220% | $10000.00 | 1 |  |  |  | N/A | No | 7.125% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $240449.54 | 52.990% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.2 |  |  | No | xxxxxx | $3483.11 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 849057 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $38827.50 | ####### | xxxxxx | 7.637% | $10878.13 | $10878.13 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $41735.15 | 1 | xxxxxx | $3667.08 | xxxxxx | $305.59 | xxxxxx | xxxxxx | $3318.00 |  | Monthly | 43.173% | ##### | 43.173% | 08/04/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $38827.50 | xxxxxx | 6.630% | $0.00 | 3 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 849059 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7975.00 | $2606.01 | xxxxxx | 7.197% | $1953.78 | $1953.78 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3674.64 | 1 | xxxxxx | $1914.96 | xxxxxx | $159.58 | xxxxxx |  | $565.00 |  | Annually | 43.485% | ##### | 43.485% | 08/14/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7975.00 | xxxxxx | 6.570% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $159004.88 | 42.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.62 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 849060 | xxxxxx | N/A |  |  | xxxxxx | No | No | $89845.00 | ####### | xxxxxx | 7.483% | $10360.13 | $10360.13 | 7.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $598528.82 | 1 | xxxxxx | $3345.00 | xxxxxx | $278.75 |  |  |  |  |  | 5.600% | 5.600% | 5.600% | 09/15/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $89845.00 | xxxxxx | 6.220% | $0.00 | 2.4 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $200000.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 132.11 |  | No | Yes | xxxxxx | $634035.84 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 |
| xxxxxx | 849061 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9495.00 | ####### | xxxxxx | 7.931% | $2293.42 | $2293.42 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5814.98 | 1 | xxxxxx | $1358.04 | xxxxxx | $113.17 |  |  |  |  |  | 42.893% | ##### | 42.893% | 08/28/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9495.00 | xxxxxx | 6.570% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $137399.18 | 33.510% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.01 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 849066 | xxxxxx | N/A |  |  | xxxxxx | No | No | $34066.00 | ####### | xxxxxx | 7.137% | $5535.32 | $5535.32 | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $30736.35 | 1 | xxxxxx | $3615.60 | xxxxxx | $301.30 | xxxxxx | xxxxxx | $2148.00 |  | Annually | 40.105% | ##### | 40.105% | 09/02/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $34066.00 | xxxxxx | 6.570% | $6248.00 | 3 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $359198.53 | 34.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.04 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxxxx | 849070 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1450.00 | $2938.93 | xxxxxx | 7.299% | $3977.09 | $3977.09 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $23777.28 | 1 | xxxxxx | $2672.04 | xxxxxx | $222.67 | xxxxxx |  | $440.00 |  | Monthly | 41.052% | ##### | 41.052% | 09/02/2025 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1450.00 | xxxxxx | 6.570% | $0.00 | 1.8 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 114.76 |  | No | No | xxxxxx | $20167.93 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxxxx | 849083 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14105.30 | ####### | xxxxxx | 7.097% | $2905.72 | $2905.72 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4983.02 | 1 | xxxxxx | $1436.04 | xxxxxx | $119.67 |  |  |  |  |  | 44.364% | ##### | 44.364% | 07/26/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14105.30 | xxxxxx | 6.570% | $0.00 | 1.6 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $93401.69 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 79.94 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 849146 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1690.00 | $2848.16 | xxxxxx | 8.661% | $5441.90 | $5441.90 | 8.625% | No | No | Non-Employment Income | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11614.16 | 1 | xxxxxx | $3275.04 | xxxxxx | $272.92 |  |  |  |  |  | 41.992% | ##### | 41.992% | 08/28/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1690.00 | xxxxxx | 6.220% | $1000.00 | 1 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1957809.90 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 245.94 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 849148 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22382.50 | ####### | xxxxxx | 6.720% | $10647.27 | $10647.27 | 6.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32971.27 | 1 | xxxxxx | $5547.00 | xxxxxx | $462.25 |  |  |  |  |  | 37.820% | ##### | 37.820% | 09/05/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $22382.50 | xxxxxx | 6.790% | $0.00 | 2.6 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $222755.32 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.68 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 849152 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8335.00 | $9962.48 | xxxxxx | 7.775% | $2284.20 | $2284.20 | 7.490% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $21162.37 | 1 | xxxxxx | $1734.00 | xxxxxx | $144.50 |  |  |  |  |  | 24.758% | ##### | 24.758% | 07/01/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # 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 | $8335.00 | xxxxxx | 6.630% | $0.00 | 1.7 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4000.00 | 0.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 24.72 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| xxxxxx | 849160 | xxxxxx | N/A |  |  | xxxxxx | No | No | $64490.00 | ####### | xxxxxx | 7.997% | $5414.63 | $5414.63 | 7.625% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $27524.58 | 1 | xxxxxx | $5273.88 | xxxxxx | $439.49 | xxxxxx | xxxxxx | $1200.00 |  | Monthly | 23.106% | ##### | 23.106% | 08/08/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 24 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $64490.00 | xxxxxx | 6.540% | $0.00 | 2.8 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $38623.10 |  | 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 | 7 |  | No | No | xxxxxx | $35795.43 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 849167 | xxxxxx | N/A |  |  | xxxxxx | No | No | $28648.75 | ####### | xxxxxx | 6.743% | $2161.49 | $2161.49 | 6.374% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | Not Provided |  |  |  |  |  |  | $22880.09 | 1 | xxxxxx | $3446.88 | xxxxxx | $287.24 | xxxxxx | xxxxxx | $1720.00 |  | Annually | 24.288% | ##### | 24.288% | 08/25/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $28648.75 | xxxxxx | 6.540% | $0.00 | 2.6 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $218009.09 | 44.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.83 |  | No | No | xxxxxx | $30219.72 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 849190 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $53032.99 | ####### | xxxxxx | 6.747% | $8815.28 | $8815.28 | 6.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19226.02 | 1 | xxxxxx | $6957.00 | xxxxxx | $579.75 | xxxxxx | xxxxxx | $1850.00 |  | Annually | 47.339% | ##### | 47.339% | 08/04/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $53032.99 | xxxxxx | 6.220% | $62800.00 | 2.4 |  |  |  | N/A | No | 6.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $300245.18 | 19.120% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.6 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 849223 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2715.00 | $6144.50 | xxxxxx | 7.128% | $1648.90 | $1648.90 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3420.35 | 1 | xxxxxx | $2313.96 | xxxxxx | $192.83 |  |  |  |  |  | 45.274% | ##### | 45.274% | 09/09/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2715.00 | xxxxxx | 6.220% | $21700.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.01 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 849307 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16915.00 | $6518.00 |  | 7.214% | $4850.77 | $4850.77 | 7.125% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $87120.48 | 1 | xxxxxx | $4278.96 | xxxxxx | $356.58 |  |  |  |  |  | 38.300% | ##### | 38.300% | 08/28/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16915.00 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $85052.79 | 9.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 16.82 |  | Yes | No | xxxxxx | $141200.45 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 |
| xxxxxx | 849314 | xxxxxx | N/A |  |  | xxxxxx | No | No | $15537.50 | ####### | xxxxxx | 8.500% | $5288.28 | $6691.92 | 9.369% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $47803.36 | 1 | xxxxxx | $702.00 | xxxxxx | $58.50 |  |  |  |  |  | 34.123% | ##### | 34.123% | 06/09/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15537.50 | xxxxxx | 6.740% | $0.00 | 1.4 |  |  |  | No | No | 9.369% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.33 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| xxxxxx | 849319 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $18538.75 | $4856.30 | xxxxxx | 6.925% | $4989.37 | $4989.37 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8881.27 | 1 | xxxxxx | $1857.00 | xxxxxx | $154.75 |  |  |  |  |  | 40.803% | ##### | 40.803% | 09/05/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18538.75 | xxxxxx | 6.540% | $0.00 | 3.1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.2 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 849321 | xxxxxx | N/A |  |  | xxxxxx | No | No | $11150.00 | $6797.08 | xxxxxx | 7.459% | $1347.44 | $1347.44 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22083.24 | 1 | xxxxxx | $738.96 | xxxxxx | $61.58 |  |  |  |  |  | 46.511% | ##### | 46.511% | 08/26/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11150.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 127.91 |  | No | No | xxxxxx | $16697.32 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 6 |
| xxxxxx | 849329 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7590.00 | ####### | xxxxxx | 7.074% | $3241.95 | $3241.95 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16135.24 | 1 | xxxxxx | $1004.04 | xxxxxx | $83.67 |  |  |  |  |  | 43.528% | ##### | 43.528% | 08/20/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7590.00 | xxxxxx | 6.310% | $8000.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $75261.95 | 11.430% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.55 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| xxxxxx | 849343 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $6494.00 | ####### | xxxxxx | 8.096% | $3706.55 | $3706.55 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $8949.86 | 1 | xxxxxx | $1149.96 | xxxxxx | $95.83 | xxxxxx | xxxxxx | $410.00 |  | Annually | 37.078% | ##### | 37.078% | 08/26/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 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]; Third Party Verification - 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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6494.00 | xxxxxx | 6.220% | $10000.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $6895.00 | 1.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 849425 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13852.00 | $7656.00 | xxxxxx | 7.191% | $7427.07 | $7427.07 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $34911.10 | 1 | xxxxxx | $2006.04 | xxxxxx | $167.17 |  |  |  |  |  | 41.636% | ##### | 41.636% | 09/12/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13852.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $262056.02 | 19.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.3 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 849434 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7030.00 | $8587.36 | xxxxxx | 6.779% | $3159.93 | $3159.93 | 6.625% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6883.54 | 1 | xxxxxx | $2601.72 | xxxxxx | $216.81 | xxxxxx | xxxxxx | $830.00 |  | Annually | 44.932% | ##### | 44.932% | 09/18/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7030.00 | xxxxxx | 6.570% | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $171124.19 | 24.270% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 3.3 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 849443 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15250.00 | ####### | xxxxxx | 7.615% | $5663.54 | $5663.54 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11762.24 | 1 | xxxxxx | $2757.96 | xxxxxx | $229.83 | xxxxxx | xxxxxx | $99.00 |  | Monthly | 43.682% | ##### | 43.682% | 09/17/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15250.00 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $666620.30 | 65.030% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 849449 | xxxxxx | N/A |  |  | xxxxxx | No | No | $14257.00 | $6787.25 | xxxxxx | 8.098% | $2233.21 | $2233.21 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27305.09 | 1 | xxxxxx | $1551.96 | xxxxxx | $129.33 | xxxxxx |  | $224.00 |  | Monthly | 16.302% | ##### | 16.302% | 08/13/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14257.00 | xxxxxx | 6.320% | $0.00 | 2.6 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $59640.99 | 15.490% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.23 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 849495 | xxxxxx | N/A |  |  | xxxxxx | No | No | $27134.00 | ####### | xxxxxx | 9.309% | $4393.62 | $4393.62 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14719.16 | 1 | xxxxxx | $2772.96 | xxxxxx | $231.08 |  |  |  |  |  | 45.138% | ##### | 45.138% | 07/14/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27134.00 | xxxxxx | 6.220% | $0.00 | 3.6 |  |  |  | Yes | No | 9.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $33282.93 | 4.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.24 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 849521 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3144.76 | $4736.53 | xxxxxx | 7.252% | $1994.21 | $1994.21 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3046.17 | 1 | xxxxxx | $1988.04 | xxxxxx | $165.67 |  |  |  |  |  | 47.195% | ##### | 47.195% | 05/12/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3144.76 | xxxxxx | 7.080% | $2263.00 | 4 | DU |  | ApproveEligible | Yes | No | 7.125% | 2 |  | 1 | 0 | 4 | 3 |  |  | 16.40 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $89928.48 | 24.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.89 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 849535 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7450.00 | ####### | xxxxxx | 7.139% | $2627.72 | $2627.72 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15758.31 | 1 | xxxxxx | $645.84 | xxxxxx | $53.82 | xxxxxx | xxxxxx | $450.00 |  | Monthly | 37.507% | ##### | 37.507% | 09/04/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7450.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.55 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 849538 | xxxxxx | N/A |  |  | xxxxxx | No | No | $51682.50 | $7482.65 | xxxxxx | 6.781% | $11350.47 | $11350.47 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $322358.23 | 1 | xxxxxx | $2765.04 | xxxxxx | $230.42 |  |  |  |  |  | 32.368% | ##### | 32.368% | 08/04/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2011 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $51682.50 | xxxxxx | 6.320% | $0.00 | 3.1 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.3 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 12 |
| xxxxxx | 849540 | xxxxxx | N/A |  |  | xxxxxx | No | No | $26137.50 | $6987.12 | xxxxxx | 6.969% | $4828.43 | $4828.43 | 6.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $43603.93 | 1 | xxxxxx | $1824.00 | xxxxxx | $152.00 |  |  |  |  |  | 39.363% | ##### | 39.363% | 09/02/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26137.50 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 69.6 |  | No | No | xxxxxx | $71910.10 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| xxxxxx | 849547 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3752.26 | $9291.01 | xxxxxx | 7.131% | $2910.83 | $3868.74 | 7.000% | No | No | Not Employed | Self-Employed | Non-Employment Income |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $17344.56 | 1 | xxxxxx | $2263.56 | xxxxxx | $188.63 | xxxxxx | xxxxxx | $901.00 |  | Monthly | 38.731% | ##### | 38.731% | 09/02/2025 | 779 | 767 | 762 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - K-1 (< 25%)]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; 1099-R - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $3752.26 | xxxxxx | 6.220% | $0.00 | 3.5 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $2866103.99 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Guarantor - Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Guarantor - Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 415.3 |  | No | No | xxxxxx | $28308.72 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 849564 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13330.00 | ####### | xxxxxx | 6.791% | $6835.32 | $6835.32 | 6.625% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $19872.81 | 1 | xxxxxx | $87.96 | xxxxxx | $7.33 | xxxxxx | xxxxxx | $439.00 |  | Monthly | 30.997% | ##### | 30.997% | 09/26/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13330.00 | xxxxxx | 6.310% | $1000.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $112747.27 | 7.390% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 8.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 849589 | xxxxxx | N/A |  |  | xxxxxx | No | No | $11562.00 | $4965.89 | xxxxxx | 8.820% | $2171.59 | $2171.59 | 8.625% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $8239.00 | 1 | xxxxxx | $1690.08 | xxxxxx | $140.84 |  |  |  |  |  | 34.733% | ##### | 34.733% | 09/07/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11562.00 | xxxxxx | 6.310% | $8000.00 | 1 |  |  |  | Yes | No | 8.625% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $91930.54 | 26.340% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 23.08 |  | No | Yes | xxxxxx | $0.00 | $8333.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 849626 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1995.00 | $6449.55 |  | 7.135% | $2395.09 | $2395.09 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5164.15 | 1 | xxxxxx | $1683.00 | xxxxxx | $140.25 | xxxxxx |  | $606.00 |  | Monthly | 40.981% | ##### | 40.981% | 09/29/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1995.00 |  | 6.310% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $89134.03 | 19.800% | No | 16 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.19 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 849683 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11399.00 | ####### | xxxxxx | 8.340% | $2639.04 | $2639.04 | 7.990% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7221.79 | 1 | xxxxxx | $1499.04 | xxxxxx | $124.92 |  |  |  |  |  | 33.358% | ##### | 33.358% | 09/12/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.96000% \| 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: 11.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.96000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 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 \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11399.00 | xxxxxx | 6.310% | $52000.00 | 1 |  |  |  | N/A | No | 7.990% | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $24941.99 | 6.230% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.7 |  | No | No | xxxxxx | $0.00 | $4333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 849739 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2590.00 | $9429.12 |  | 7.107% | $3775.10 | $3775.10 | 6.990% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10870.02 | 1 | xxxxxx | $2489.04 | xxxxxx | $207.42 | xxxxxx | xxxxxx | $78.00 |  | Monthly | 40.145% | ##### | 40.145% | 09/23/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 64.000% |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2590.00 |  | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 2 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $190579.27 | 26.840% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.02 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 849925 | xxxxxx | N/A |  |  | xxxxxx | No | No | $18808.40 | $5779.94 | xxxxxx | 7.442% | $3591.51 | $3591.51 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30703.30 | 1 | xxxxxx | $1895.04 | xxxxxx | $157.92 |  |  |  |  |  | 38.101% | ##### | 38.101% | 08/26/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18808.40 | xxxxxx | 6.310% | $9439.86 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $182239.32 | 28.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.97 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| xxxxxx | 849949 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14251.00 | ####### |  | 7.491% | $3638.08 | $3638.08 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11585.22 | 1 | xxxxxx | $1257.48 | xxxxxx | $104.79 | xxxxxx | xxxxxx | $537.00 |  | Monthly | 39.293% | ##### | 39.293% | 08/07/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14251.00 |  | 6.310% | $1000.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $192382.01 | 28.500% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.11 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 850024 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $20344.00 | ####### | xxxxxx | 7.947% | $5096.11 | $5096.11 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9612.57 | 1 | xxxxxx | $5667.96 | xxxxxx | $472.33 | xxxxxx | xxxxxx | $230.00 |  | Monthly | 43.829% | ##### | 43.829% | 09/08/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20344.00 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.94 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 850027 | xxxxxx | N/A |  |  | xxxxxx | No | No | $22424.00 | ####### |  | 9.074% | $2614.31 | $2614.31 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7471.02 | 1 | xxxxxx | $1563.00 | xxxxxx | $130.25 |  |  |  |  |  | 38.427% | ##### | 38.427% | 09/03/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 1 | 1 | No | xxxxxx | xxxxxx | $22424.00 |  | 6.540% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $95747.91 | 22.520% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.13 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 1 | 1 | 2 | 3 | 0 | No | No | No | No | 2 |
| xxxxxx | 850028 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20755.52 | ####### |  | 8.268% | $3553.40 | $3553.40 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20567.09 | 1 | xxxxxx | $1983.12 | xxxxxx | $165.26 |  |  |  |  |  | 23.495% | ##### | 23.495% | 09/08/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20755.52 |  | 6.320% | $32000.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $27209.39 | 4.380% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.73 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850029 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11870.50 | ####### |  | 8.883% | $3460.11 | $3460.11 | 8.500% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7069.12 | 1 | xxxxxx | $2603.28 | xxxxxx | $216.94 |  |  |  |  |  | 38.540% | ##### | 38.540% | 08/01/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 53.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - 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> [Coborrower(s) - 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 - Year Not Available<br> [Coborrower(s) - 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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11870.50 |  | 6.220% | $49900.00 | 1 |  |  |  | N/A | No | 8.500% | 2 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $56980.67 | 11.390% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 7.34 |  |  | No | xxxxxx | $6121.68 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 850030 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7540.00 | $9557.10 | xxxxxx | 7.724% | $2905.88 | $2905.88 | 7.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11945.94 | 1 | xxxxxx | $721.20 | xxxxxx | $60.10 |  |  |  |  |  | 39.361% | ##### | 39.361% | 08/01/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7540.00 | xxxxxx | 6.540% | $1000.00 | 1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $181449.82 | 34.890% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.58 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 850033 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8418.50 | $9718.85 | xxxxxx | 8.725% | $2202.69 | $2202.69 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7071.65 | 1 | xxxxxx | $2591.04 | xxxxxx | $215.92 | xxxxxx | xxxxxx | $95.00 |  | Monthly | 45.334% | ##### | 45.334% | 07/22/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 94.000% | 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: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available<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: 24]; Other - Year Not Available<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: 24]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8418.50 | xxxxxx | 6.320% | $7000.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $117408.74 | 36.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.96 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| xxxxxx | 850058 | xxxxxx | N/A |  |  | xxxxxx | No | No | $5743.00 | $6339.94 | xxxxxx | 7.284% | $1346.57 | $1346.57 | 7.000% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $34456.43 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $6240.00 |  | Annually | 22.112% | ##### | 22.112% | 09/02/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5743.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | No | No | 7.000% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $519988.74 | 100.000% | No | 32 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 231.67 |  | No | No | xxxxxx | $0.00 | $15224.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 850162 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10990.00 | $2829.86 | xxxxxx | 7.443% | $2928.46 | $2928.46 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6843.89 | 1 | xxxxxx | $92.04 | xxxxxx | $7.67 | xxxxxx | xxxxxx | $474.35 |  | Monthly | 43.317% | ##### | 43.317% | 09/05/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10990.00 | xxxxxx | 6.540% | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $35664.62 |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.89 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850164 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6806.00 | ####### | xxxxxx | 7.616% | $6371.24 | $6371.24 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8418.75 | 1 | xxxxxx | $1938.00 | xxxxxx | $161.50 |  |  |  |  |  | 48.300% | ##### | 48.300% | 09/05/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6806.00 | xxxxxx | 6.220% | $2000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $252322.73 | 22.150% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.36 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850194 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $27831.00 | ####### |  | 8.407% | $5114.62 | $5114.62 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $124681.12 | 1 | xxxxxx | $3891.48 | xxxxxx | $324.29 | xxxxxx | xxxxxx | $3295.00 |  | Annually | 12.729% | ##### | 12.729% | 09/30/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2005 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27831.00 |  | 6.310% | $4000.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $160566.12 | 18.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.31 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| xxxxxx | 850273 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6065.00 | $6719.75 | xxxxxx | 7.265% | $1621.70 | $1621.70 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5046.95 | 1 | xxxxxx | $3479.04 | xxxxxx | $289.92 |  |  |  |  |  | 44.851% | ##### | 44.851% | 07/08/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6065.00 | xxxxxx | 6.220% | $0.00 | 1.6 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2499.42 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850274 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $27145.00 | ####### | xxxxxx | 6.925% | $4305.60 | $4993.91 | 6.624% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $8723.73 | 1 | xxxxxx | $2328.00 | xxxxxx | $194.00 |  |  |  |  |  | 41.831% | ##### | 41.831% |  | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $27145.00 | xxxxxx | 6.540% | $0.00 | 2.6 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | xxxxxx | $41094.92 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Employment Authorization, Passport | Employment Authorization, Passport |  |  | No | 6.65 |  |  | No | xxxxxx | $7498.62 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850278 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6295.00 | $3403.79 | xxxxxx | 7.896% | $1611.78 | $1611.78 | 7.749% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12135.12 | 1 | xxxxxx | $1370.64 | xxxxxx | $114.22 |  |  |  |  |  | 23.050% | ##### | 23.050% | 08/13/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025 |  | Full Documentation (F) | 2yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 13.32 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6295.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.749% | 2 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4314.76 | 1.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.52 |  |  | No | xxxxxx | $0.00 | $8840.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850279 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7120.00 | $9093.38 | xxxxxx | 7.412% | $1580.64 | $1793.60 | 7.124% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4953.90 | 1 | xxxxxx | $862.56 | xxxxxx | $71.88 |  |  |  |  |  | 37.903% | ##### | 37.903% | 08/01/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7120.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 360 | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 117.2 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 850281 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8560.00 | $1203.71 | xxxxxx | 7.087% | $711.16 | $711.16 | 6.990% | No | No | Non-Employment Income | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10467.36 | 1 | xxxxxx | $971.04 | xxxxxx | $80.92 | xxxxxx | xxxxxx | $727.00 |  | Monthly | 40.914% | ##### | 40.914% | 08/04/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8560.00 | xxxxxx | 6.610% | $0.00 | 1.2 |  |  |  | N/A | No | 6.990% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $102163.54 | 71.590% | No |  | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 34.16 |  | No | No | xxxxxx | $0.00 | $11895.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 850284 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $31405.00 | ####### | xxxxxx | 7.899% | $12120.53 | $12120.53 | 7.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $61604.46 | 1 | xxxxxx | $975.96 | xxxxxx | $81.33 |  |  |  |  |  | 43.680% | ##### | 43.680% | 08/18/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $31405.00 | xxxxxx | 6.570% | $28500.00 | 2.7 |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $317806.60 | 16.900% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.25 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| xxxxxx | 850287 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15276.00 | ####### | xxxxxx | 7.186% | $2277.65 | $2277.65 | 6.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23157.30 | 1 | xxxxxx | $789.96 | xxxxxx | $65.83 | xxxxxx | xxxxxx | $1284.00 |  | Annually | 22.809% | ##### | 22.809% | 08/11/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15276.00 | xxxxxx | 6.570% | $10000.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $24858.63 | 5.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.54 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850288 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13795.00 | $2887.78 | xxxxxx | 8.064% | $2932.27 | $2932.27 | 7.990% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $6724.22 | 1 | xxxxxx | $1185.96 | xxxxxx | $98.83 |  |  |  |  |  | 37.259% | ##### | 37.259% | 08/08/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13795.00 | xxxxxx | 6.320% | $45000.00 | 1 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $113861.20 | 22.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Passport | Passport |  |  |  | 11.25 |  |  | No | xxxxxx | $6634.77 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 |
| xxxxxx | 850304 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13565.00 | $5672.86 | xxxxxx | 7.087% | $3402.92 | $3402.92 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14481.66 | 1 | xxxxxx | $1220.88 | xxxxxx | $101.74 | xxxxxx | xxxxxx | $472.00 |  | Monthly | 45.288% | ##### | 45.288% | 08/25/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13565.00 | xxxxxx | 6.320% | $6600.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $41200.44 | 6.430% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.28 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 850310 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8500.00 | $0.00 | xxxxxx | 7.860% | $1944.45 | $1944.45 | 7.874% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8554.36 | 1 | xxxxxx | $2097.96 | xxxxxx | $174.83 |  |  |  |  |  | 25.191% | ##### | 25.191% | 07/10/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8500.00 | xxxxxx | 6.320% | $20000.00 | 1 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $42637.79 | 14.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.8 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850311 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16000.00 | $2608.16 | xxxxxx | 7.530% | $4470.60 | $4470.60 | 7.490% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $20112.15 | 1 | xxxxxx | $1724.04 | xxxxxx | $143.67 | xxxxxx | xxxxxx | $1600.00 |  | Annually | 22.790% | ##### | 22.790% |  | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16000.00 | xxxxxx | 6.320% | $300.00 | 1 |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $224295.04 | 28.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 12.42 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850319 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $27090.00 | ####### | xxxxxx | 7.669% | $8312.51 | $8312.51 | 7.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $69207.55 | 1 | xxxxxx | $9779.04 | xxxxxx | $814.92 | xxxxxx | xxxxxx | $3210.00 |  | Monthly | 20.910% | ##### | 20.910% | 07/28/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 74.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 74.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 74.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 74.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $27090.00 | xxxxxx | 6.220% | $0.00 | 2.6 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $193335.71 | 13.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.53 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850320 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19828.75 | $2627.83 | xxxxxx | 7.407% | $5535.22 | $5535.22 | 7.374% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $26282.29 | 1 | xxxxxx | $2589.96 | xxxxxx | $215.83 | xxxxxx | xxxxxx | $225.00 |  | Monthly | 24.188% | ##### | 24.188% | 08/06/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19828.75 | xxxxxx | 6.320% | $5000.00 | 1 |  |  |  | No | No | 7.374% | 0 |  | 2 | 0 | 0 | 0 |  |  | 7.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1051505.57 | 91.830% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 104.31 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850321 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5295.00 | $6795.00 | xxxxxx | 7.652% | $1193.69 | $1193.69 | 7.249% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $3972.22 | 1 | xxxxxx | $2358.00 | xxxxxx | $196.50 |  |  |  |  |  | 50.436% | ##### | 50.436% | 08/26/2025 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 |  | Full Documentation (F) | 1yr Full Doc | Chapter 7 |  | xxxxxx | 2 | 22.56 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $5295.00 | xxxxxx | 6.220% | $0.00 | 1.8 |  |  |  | N/A | No | 7.249% | 2 | 1 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 23.23 |  |  | No | xxxxxx | $0.00 | $3287.52 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 850326 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $12795.00 | ####### | xxxxxx | 7.801% | $6227.98 | $6227.98 | 7.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $33791.86 | 1 | xxxxxx | $3525.00 | xxxxxx | $293.75 |  |  |  |  |  | 37.216% | ##### | 37.216% | 08/25/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12795.00 | xxxxxx | 6.220% | $0.00 | 4.1 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $122952.70 | 11.170% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.71 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 850330 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16740.40 | $5334.65 | xxxxxx | 7.975% | $3925.88 | $3925.88 | 7.874% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9115.79 | 1 | xxxxxx | $2180.52 | xxxxxx | $181.71 |  |  |  |  |  | 33.129% | ##### | 33.129% | 07/21/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16740.40 | xxxxxx | 6.320% | $0.00 | 1.2 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 851032 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19185.00 | ####### | xxxxxx | 6.951% | $1313.34 | $1313.34 | 6.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12461.72 | 1 | xxxxxx | $1176.96 | xxxxxx | $98.08 |  |  |  |  |  | 18.403% | ##### | 18.403% | 07/24/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19185.00 | xxxxxx | 6.570% | $0.00 | 4.5 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $13823.97 | 5.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.67 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 851033 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9795.00 | ####### | xxxxxx | 7.115% | $5317.05 | $5317.05 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28927.99 | 1 | xxxxxx | $2455.44 | xxxxxx | $204.62 |  |  |  |  |  | 19.118% | ##### | 19.118% | 08/06/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2016 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9795.00 | xxxxxx | 6.630% | $0.00 | 3.9 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.35 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 851034 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15341.25 | ####### | xxxxxx | 6.952% | $9904.29 | $11357.14 | 6.874% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $68586.91 | 1 | xxxxxx | $2380.08 | xxxxxx | $198.34 | xxxxxx | xxxxxx | $385.00 |  | Monthly | 25.029% | ##### | 25.029% | 08/04/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 31.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 31.00% \| 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: 31.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 31.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 31.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15341.25 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | xxxxxx | $565713.44 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.68 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 851035 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18107.50 | ####### | xxxxxx | 8.311% | $4783.27 | $4783.27 | 7.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11706.20 | 1 | xxxxxx | $2076.00 | xxxxxx | $173.00 | xxxxxx | xxxxxx | $20.00 |  | Monthly | 39.598% | ##### | 39.598% | 08/13/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $18107.50 | xxxxxx | 6.310% | $0.00 | 1.5 |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.13 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 851039 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20595.00 | $0.00 | xxxxxx | 6.704% | $5966.49 | $5966.49 | 6.749% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14298.59 | 1 | xxxxxx | $4046.04 | xxxxxx | $337.17 |  |  |  |  |  | 48.245% | ##### | 48.245% | 08/15/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20595.00 | xxxxxx | 6.540% | $36109.24 | 1 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $299444.65 | 26.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.52 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxxxx | 851048 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $30691.39 | ####### | xxxxxx | 7.614% | $4695.55 | $4695.55 | 7.374% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $27109.00 | 1 | xxxxxx | $7253.16 | xxxxxx | $604.43 | xxxxxx | xxxxxx | $1271.00 |  | Annually | 38.928% | ##### | 38.928% |  | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $30691.39 | xxxxxx | 6.540% | $20000.00 | 1 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $176000.00 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 6.65 |  | No | No | xxxxxx | $15236.78 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxxxx | 851049 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10595.00 | $1850.81 | xxxxxx | 7.259% | $2182.75 | $2182.75 | 7.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2964.13 | 1 | xxxxxx | $1445.28 | xxxxxx | $120.44 |  |  |  |  |  | 45.429% | ##### | 45.429% | 08/21/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10595.00 | xxxxxx | 6.320% | $12000.00 | 1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $95905.39 | 23.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.58 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 851053 | xxxxxx | N/A |  |  | xxxxxx | No | No | $27388.75 | $7248.72 | xxxxxx | 9.163% | $2743.32 | $2743.32 | 8.990% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12306.59 | 1 | xxxxxx | $6184.92 | xxxxxx | $515.41 |  |  |  |  |  | 44.957% | ##### | 44.957% | 09/04/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 1 | No | xxxxxx | xxxxxx | $27388.75 | xxxxxx | 6.540% | $200.00 | 1.5 |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $1819951.91 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 432.12 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxxxx | 851059 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16645.00 | ####### | xxxxxx | 7.276% | $2890.19 | $2890.19 | 6.874% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $7868.41 | 1 | xxxxxx | $3522.36 | xxxxxx | $293.53 | xxxxxx | xxxxxx | $1000.00 |  | Annually | 37.675% | ##### | 37.675% | 07/15/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16645.00 | xxxxxx | 6.220% | $0.00 | 1.5 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $28537.41 | 5.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 2.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 851083 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13865.00 | $6284.67 | xxxxxx | 7.259% | $2573.60 | $2573.60 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5390.93 | 1 | xxxxxx | $2037.12 | xxxxxx | $169.76 | xxxxxx |  | $356.00 |  | Monthly | 43.845% | ##### | 43.845% | 09/09/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13865.00 | xxxxxx | 6.310% | $1000.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4257.12 | 0.890% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| xxxxxx | 851090 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7375.00 | $9047.71 | xxxxxx | 7.238% | $5322.38 | $5322.38 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25655.17 | 3 | xxxxxx | $1803.00 | xxxxxx | $150.25 |  |  |  |  |  | 36.739% | ##### | 36.739% | 08/05/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7375.00 | xxxxxx | 6.320% | $0.00 |  |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $104367.26 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.16 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxxxx | 851463 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6450.00 | ####### | xxxxxx | 6.993% | $6569.29 | $6569.29 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20808.19 | 1 | xxxxxx | $6621.00 | xxxxxx | $551.75 | xxxxxx | xxxxxx | $39.00 |  | Monthly | 29.553% | ##### | 29.553% | 09/10/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6450.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $399293.15 | 31.940% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.85 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxxxx | 851464 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16047.50 | ####### | xxxxxx | 7.087% | $5143.75 | $5143.75 | 6.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15190.82 | 1 | xxxxxx | $585.96 | xxxxxx | $48.83 |  |  |  |  |  | 29.952% | ##### | 29.952% | 09/05/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16047.50 | xxxxxx | 6.220% | $0.00 | 2.6 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $745.00 |  | No | 32 | 32 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No | xxxxxx | $0.00 | $6686.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**amc TAX AND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller 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** |
| 835269 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 24 | xxxxxx as Nominee for xxxxxx., a xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 838307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 17 | 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 |  |  |
| 840358 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 7 | xxxxxx as xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | xxxxxx | xxxxxx as Nominee for xxxxxx,xxxxxx,xxxxxx | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage | Subordinate Liens/Judgments were identified totaling $0.00<br>This Prior Mortgage was recorded on xxxxxx by xxxxxx. IAO xxxxxx. Not Covered by Title Policy. |
| 840884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 22 | 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 |  |  |
| 842271 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 41 | xxxxxx as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844747 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 16 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844748 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 16 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | A Subordinate Mortgage was recorded onxxxxxxby xxxxxx IAO xxxxxx |
| 845005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 29 | xxxxxxas Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 847099 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 17 | xxxxxx as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 849521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 15 | xxxxxx as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Exception Detail** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 840358 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | Subordinate Liens/Judgments - Subordinate Liens/Judgments were identified totaling $0.00 |
| 840358 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Final | xxxxxx | xxxxxx | Yes | UTD | UTD |  | xxxxxx |  | xxxxxx as Nominee for xxxxxx | xxxxxx | Prior Mortgage - No Title Policy Coverage - This Prior Mortgage was recorded on xxxxxx by xxxxxx as Nominee for xxxxxx. IAO xxxxxx Not Covered by Title Policy. |
| 844748 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | xxxxxx |  | xxxxxx | xxxxxx | Subordinate Mortgage - A Subordinate Mortgage was recorded on xxxxxx by xxxxxx. IAO xxxxxx |

---

## Exhibit 99.9

**EXHIBIT 99.9**

**amc multi property valuation REPORT**

![](tm2532423d1_ex99-9img001.jpg)

**Multi Property Valuation Report**

**Run Date - 11/14/2025 1:07:41 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **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** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 842507-1 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04/02/2025 | 03/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 06/05/2025 | 03/31/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 842507-2 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04/01/2025 | 03/27/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 06/05/2025 | 03/27/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 842507-3 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05/21/2025 | 03/28/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 06/05/2025 | 03/28/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 842507-4 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05/21/2025 | 03/28/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 06/05/2025 | 03/28/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 842507-5 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/19/2025 | 06/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 07/16/2025 | 06/18/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 842507-6 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/18/2025 | 06/18/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 07/16/2025 | 06/18/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 842507-7 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/12/2025 | 03/26/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 06/05/2025 | 03/26/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 842507-8 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05/21/2025 | 04/11/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 06/05/2025 | 04/11/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 842507-9 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/02/2025 | 03/26/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 06/05/2025 | 03/26/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 842507-10 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/19/2025 | 06/19/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 07/16/2025 | 06/19/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.10

**EXHIBIT 99.10**

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

![](tm253242d1_ex99-10img01.jpg)

**NARRATIVE**

**Verus 2025-12**

**By Canopy Financial Technology Partners LLC on November 26, 2025**

Canopy Financial Technology Partners LLC

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

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

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

![](tm253242d1_ex99-10img01.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 May 2025 to October 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of two hundred twenty-six (226) Loans with an aggregate principal balance of $130,848,156.

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**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 |

---

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

![](tm253242d1_ex99-10img01.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;

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

![](tm253242d1_ex99-10img01.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)).

**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

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

![](tm253242d1_ex99-10img01.jpg)

· 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.

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

![](tm253242d1_ex99-10img01.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.

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

![](tm253242d1_ex99-10img01.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);

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

![](tm253242d1_ex99-10img01.jpg)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note, including all addendums

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure

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

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

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

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

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");

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;

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

![](tm253242d1_ex99-10img01.jpg)

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:** 

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

![](tm253242d1_ex99-10img01.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.

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

![](tm253242d1_ex99-10img01.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.

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

![](tm253242d1_ex99-10img01.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.

**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.

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

![](tm253242d1_ex99-10img01.jpg)

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

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

***Independent third-party values, CU SCORES and FHLMC REPS and WARRANTS***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:** 

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

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

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

![](tm253242d1_ex99-10img01.jpg)

**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; S&P Global Ratings and Kroll Bond Rating Agency, LLC.

---

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

---

---

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

---

---

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

---

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

![](tm253242d1_ex99-10img01.jpg)

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 78.76% (178 loans) have an overall grade of "A", 21.24% (48 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 180 Loans reviewed (79.65%), and 46 Loans (20.35%) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 223 Loans reviewed (98.67%), and 3 loans (1.33%) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 225 Loans reviewed (99.56%), and 1 loan (0.44%) has a Property grade of "B".

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

![](tm253242d1_ex99-10img01.jpg)

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;178 | &nbsp;&nbsp;78.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;48 | &nbsp;&nbsp;21.24% |
| &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;**226** | &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;180 | &nbsp;&nbsp;79.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;46 | &nbsp;&nbsp;20.35% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**226** | &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;223 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.33% |
| &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;**226** | &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;225 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &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;**226** | &nbsp;&nbsp;**100.00%** |

---

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

![](tm253242d1_ex99-10img01.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;224 | &nbsp;&nbsp;99.12% | &nbsp;&nbsp;$129470356.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.88% | &nbsp;&nbsp;$1377800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$130848156.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;217 | &nbsp;&nbsp;96.02% | &nbsp;&nbsp;$128223289.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.98% | &nbsp;&nbsp;$2624867.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$130848156.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% | &nbsp;&nbsp;$425000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% | &nbsp;&nbsp;$267350.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;59 | &nbsp;&nbsp;26.11% | &nbsp;&nbsp;$28636342.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;52 | &nbsp;&nbsp;23.01% | &nbsp;&nbsp;$31672128.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;97 | &nbsp;&nbsp;42.92% | &nbsp;&nbsp;$53956392.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;16 | &nbsp;&nbsp;7.08% | &nbsp;&nbsp;$15890944.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$130848156.00** |
| &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;1 | &nbsp;&nbsp;0.44% | &nbsp;&nbsp;$875000.00 |
| &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;220 | &nbsp;&nbsp;97.35% | &nbsp;&nbsp;$126819451.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.21% | &nbsp;&nbsp;$3153705.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$130848156.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;131 | &nbsp;&nbsp;57.96% | &nbsp;&nbsp;$88204751.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$2729915.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;92 | &nbsp;&nbsp;40.71% | &nbsp;&nbsp;$39913490.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**226** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$130848156.00** |

---

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

![](tm253242d1_ex99-10img01.jpg)

**DATA COMPARISON RESULTS**

Of the two hundred twenty-six (226) mortgage loan files reviewed, seventy-six (76) unique loans (33.63% by number) had one hundred three (103) tape comparison discrepancies across twenty-two (22) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;226 | &nbsp;&nbsp;3.10% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;226 | &nbsp;&nbsp;4.42% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;226 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;226 | &nbsp;&nbsp;4.42% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;226 | &nbsp;&nbsp;3.98% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;34 | &nbsp;&nbsp;226 | &nbsp;&nbsp;15.04% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;3 | &nbsp;&nbsp;226 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;226 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;2 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.88% |
| &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;6 | &nbsp;&nbsp;226 | &nbsp;&nbsp;2.65% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.88% |

---

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

![](tm253242d1_ex99-10img01.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.* 

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

## Exhibit 99.11

**EXHIBIT 99.11**

**Canopy EXCEPTIONS REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 834323 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 835730 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-20 15:52 | 2025-08-21 23:07 | Waived | 2 - Non-Material D B | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Waived-Client Exception Granted with Compensating FactorsClient provided guideline exception. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See attached exception approval <br> - Due Diligence Vendor-08/22/2025 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-08/20/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient provided guideline exception. - Due Diligence Vendor-08/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 79.33 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 50.35% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Original LTV Of 50.35% 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 - 6.25 Years Borrower At Current Residence For Five (5) Or More Years - 6.25 Years | Reserves exceed requirement by 10 months or more; DSCR > 1.3; | Full Review835730_xxxxxx_8_21_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 839842 | xxxxxx | C A | Closed | xxxxxx | 2025-09-25 06:35 | 2025-10-10 15:40 | 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-10/10/2025 <br> Ready for Review-Document Uploaded. See attached 1004D - Due Diligence Vendor-10/10/2025 <br> Open-Primary Value Appraisal is Expired - Due Diligence Vendor-09/25/2025 |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-10/10/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.05% 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 36.23 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 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review839842_xxxxxx_10_9_2025_xxxxxx_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 |
| 840388 | 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 |  |  |  |
| 840793 | xxxxxx | D A | Closed | xxxxxx | 2025-07-30 14:23 | 2025-08-06 20:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. See attached HOI - Due Diligence Vendor-08/07/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-07/30/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 211.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review840793_xxxxxx_8_6_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840793 | xxxxxx | D A | Closed | xxxxxx | 2025-07-30 14:25 | 2025-08-05 01:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See attached xxxxxx stmt - Due Diligence Vendor-08/05/2025 <br> Open-Asset 1 Missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 211.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review840793_xxxxxx_8_4_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840793 | xxxxxx | D A | Closed | xxxxxx | 2025-07-31 10:52 | 2025-08-05 01:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-1007 provided. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See attached 1007 on page 3 - Due Diligence Vendor-08/05/2025 <br> Open-Missing 1007 for subject property. - Due Diligence Vendor-07/31/2025 |  | Resolved-1007 provided. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 211.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review840793_xxxxxx_8_4_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840793 | xxxxxx | D A | Closed | xxxxxx | 2025-07-30 14:02 | 2025-08-05 01:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease provided - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See attached lease - Due Diligence Vendor-08/05/2025 <br> Open-For the Subject Property Lease Agreement is Missing<br> xxxxxx<br> - Due Diligence Vendor-07/30/2025 |  | Resolved-Lease provided - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 211.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review840793_xxxxxx_8_4_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840793 | xxxxxx | D A | Closed | xxxxxx | 2025-07-30 14:23 | 2025-08-05 01:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-08/05/2025 <br> Open-Title Document is missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 211.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review840793_xxxxxx_8_4_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841184 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-14 07:49 | 2025-10-21 12:12 | 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-10/21/2025 <br> Ready for Review-Document Uploaded. Attached docs to clear two open conditions. - Due Diligence Vendor-10/20/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-10/14/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.25 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 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 707 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 - 8.24 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | Full Review841184_xxxxxx_10_20_2025_xxxxxx_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 |
| 841184 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-14 08:26 | 2025-10-14 08:26 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Client Exception Granted with Compensating Factorsnon-perm resi alien - please review documents for exception /<br> approval .. sent to the scenario desk and advised to have<br> reviewed as an exception. the ead card expired this month,<br> and the I797 has a different code noted - going from a C09P to<br> C31 - Due Diligence Vendor-10/14/2025 |  | Waived-Client Exception Granted with Compensating Factorsnon-perm resi alien - please review documents for exception /<br> approval .. sent to the scenario desk and advised to have<br> reviewed as an exception. the ead card expired this month,<br> and the I797 has a different code noted - going from a C09P to<br> C31 - Due Diligence Vendor-10/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.25 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 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 707 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 - 8.24 Years | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guideline<br> Employed in same profession > 2 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 |
| 841850 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-08 06:24 | 2025-09-09 21:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception Granted with Compensating FactorsEXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660 ON NO RATIO PROGRAM. - Due Diligence Vendor-07/08/2025 |  | Waived-Client Exception Granted with Compensating FactorsEXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660 ON NO RATIO PROGRAM. - Due Diligence Vendor-07/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.99 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br> Experienced xxxxxx - Borrower is xxxxxx with Nine (9) REO's owned. | Post close reserves 25+ months PITIA when guidelines require 4 months. Self employed more than 12 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841850 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-08 06:23 | 2025-09-09 21:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with Compensating FactorsEXCEPTION ON 75% LTV EXCEEDS THE MAX OF 65% ON NO RATIO PROGRAM. <br> - Due Diligence Vendor-07/08/2025 |  | Waived-Client Exception Granted with Compensating FactorsEXCEPTION ON 75% LTV EXCEEDS THE MAX OF 65% ON NO RATIO PROGRAM. <br> - Due Diligence Vendor-07/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.99 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br> Experienced xxxxxx - Borrower is xxxxxx with Nine (9) REO's owned. | Post close reserves 25+ months PITIA when guidelines require 4 months. Self employed more than 12 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841850 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-09 14:40 | 2025-07-16 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Counter-Missing evidence of EIN - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing business entity documents required by gl's:<br> - Articles of Organization/Partnership/Operating Agrmts<br> - Tax ID number (EIN)<br> - Cert of Good Standing<br> - Cert of Authorization for person executing all docs<br> - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Business Documents provided - Due Diligence Vendor-07/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.99 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br> Experienced xxxxxx - Borrower is xxxxxx with Nine (9) REO's owned. |  | LLC VESTING ï¿½ CERTIFICATE OF GOOD STANDING.pdf<br> LLC VESTING ï¿½ ARTICLES OF INCORPORATION.pdf<br> LLC VESTING ï¿½ IRS EIN LETTER.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842778 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-11 14:48 | 2025-08-28 13:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history for related property shows no lates. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Credit supplement - Due Diligence Vendor-08/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification B1 Primary home associated with xxxxxx mortgage on credit report. GL (2.8.2.3) Housing history for DSCR is required on bwr primary residence. - Due Diligence Vendor-08/11/2025 |  | Resolved-Housing history for related property shows no lates. - Due Diligence Vendor-08/28/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review842778_xxxxxx_8_28_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842778 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-11 14:31 | 2025-08-22 00:02 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Appraiser commented that bars release - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. See appraisal with comments about xxxxxx. - Due Diligence Vendor-08/22/2025 <br> Open-Appraiser photo/photo lable reflect xxxxxx. No comments or evidence inside xxxxxx. GL (2.8.34.4) Property Condition-No health or safety issues. - Due Diligence Vendor-08/11/2025 |  | Resolved-Appraiser commented that xxxxxx - Due Diligence Vendor-08/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review842778_xxxxxx_8_19_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842778 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-11 10:42 | 2025-08-13 00:09 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. See 1008 - Due Diligence Vendor-08/13/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/11/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review842778_xxxxxx_8_12_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842778 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-11 10:11 | 2025-08-13 00:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. HOI Policy - Due Diligence Vendor-08/13/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-08/11/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review842778_xxxxxx_8_12_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842778 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-11 10:43 | 2025-08-13 00:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Fraud Report - Due Diligence Vendor-08/13/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/11/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review842778_xxxxxx_8_12_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842939 | xxxxxx | B A | Closed | xxxxxx | 2025-08-20 14:31 | 2025-08-20 14:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with Compensating FactorsBorrower has less than 12 months of owning and managing a non-owner occupied property and subject property is xxxxxx-units. DSCR not final, pending lease agreement. Also pending evidence of rental income while subject property was also primary. - Due Diligence Vendor-08/20/2025 |  | Waived-Client Exception Granted with Compensating FactorsBorrower has less than 12 months of owning and managing a non-owner occupied property and subject property is xxxxxx-units. DSCR not final, pending lease agreement. Also pending evidence of rental income while subject property was also primary. - Due Diligence Vendor-08/20/2025 | 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 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.38% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines, DSCR > 1.3, 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 |
| 842982 | xxxxxx | B A | Closed | xxxxxx | 2025-08-19 14:42 | 2025-08-19 14:42 | Waived | 2 - Non-Material B | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Partial | Waived-Client Exception Granted with Compensating FactorsHO-6 Master Insurance Policy Partially Provided Requesting a Master Insurance Exception - xxxxxx<br> coverage amount xxxxxx is less than total insured<br> property coverage at xxxxxx - Due Diligence Vendor-08/19/2025 |  | Waived-Client Exception Granted with Compensating FactorsHO-6 Master Insurance Policy Partially Provided Requesting a Master Insurance Exception - xxxxxx<br> coverage amount xxxxxx is less than total insured<br> property coverage at xxxxxx - Due Diligence Vendor-08/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.85 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 - 7 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.92% 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 743 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, Experienced investor owns and manages 2 or more properties for 12 months, 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 |
| 843130 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843142 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843583 | xxxxxx | B A | Closed | xxxxxx | 2025-09-02 14:45 | 2025-09-04 22:05 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 provided. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. 9/4/25 - please see 1008 - Due Diligence Vendor-09/05/2025 <br>Open-1008/Underwriting Summary Not Provided Missing loan approval and / or 1008. - Due Diligence Vendor-09/02/2025 |  | Resolved-1008 provided. - Due Diligence Vendor-09/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.23 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 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review843583_xxxxxx_9_4_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843614 | xxxxxx | D A | Closed | xxxxxx | 2025-08-16 18:25 | 2025-08-21 23:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-08/22/2025 <br>Open-Missing Third Party Fraud Report . Provide report as required per guidelines section 2.5.3.1. - Due Diligence Vendor-08/16/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review_Comments_843614_xxxxxx_8_20_2025_xxxxxx_PM.csv | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843615 | xxxxxx | D A | Closed | xxxxxx | 2025-08-15 16:02 | 2025-08-21 23:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Contract provided - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Purchase contract - Due Diligence Vendor-08/22/2025 <br> Open-Purchase Contract Is Missing . Provide purchase agreement for the subject property located at xxxxxx, all pages, to support the purchase price of xxxxxx as seen on the final CD. Purchase agreement must be valid through the closing date of xxxxxx. - Due Diligence Vendor-08/15/2025 |  | Resolved-Contract provided - Due Diligence Vendor-08/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.87 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 - 5.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review843615_xxxxxx_8_19_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843756 | xxxxxx | C A | Closed | xxxxxx | 2025-09-03 03:05 | 2025-09-07 11:43 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/07/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <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-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.96% 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 - 5.16 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 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.84% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | 3D 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 |
| 843850 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843862 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-25 04:36 | 2025-11-10 21:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with Compensating FactorsBorrower is living rent free with family. Guideline requires documented housing history. Client exception granted with compensating factors. - Due Diligence Vendor-11/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsBorrower is living rent free with family. Guideline requires documented housing history. Client exception granted with compensating factors. - Due Diligence Vendor-11/11/2025<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>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>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 2 By Six (6) Or More Months | \*LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> \*Experienced investor owns and manages 2 or more properties for 12 months<br> \*Credit Score 30+ points > minimum required<br> \*LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> \*Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 843862 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-10 21:30 | 2025-11-10 21:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow appraised value for LTV with less than 12 months seasoning. (Loan closed in xxxxxx; last transfer occurred xxxxxx) - Due Diligence Vendor-11/11/2025 <br> Open-Required 12 month seasoning for use of appraised value instead of the prior purchase price has not been met. - Due Diligence Vendor-11/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow appraised value for LTV with less than 12 months seasoning. (Loan closed in xxxxxx; last transfer occurred xxxxxx) - Due Diligence Vendor-11/11/2025 | 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>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>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 2 By Six (6) Or More Months | \*LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> \*Experienced investor owns and manages 2 or more properties for 12 months<br> \*Credit Score 30+ points > minimum required<br> \*LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> \*Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 843903 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843921 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843934 | 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 |  |  |  |
| 843982 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 843996 | xxxxxx | B A | Closed | xxxxxx | 2025-08-21 14:47 | 2025-08-21 14:48 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client Exception Granted with Compensating FactorsDSCR is less than the guideline minimum. Due to loan size < $150,000, minimum DSCR required is 1.25. Subject dscr is 1.136. - Due Diligence Vendor-08/21/2025 |  | Waived-Client Exception Granted with Compensating FactorsDSCR is less than the guideline minimum. Due to loan size < $150,000, minimum DSCR required is 1.25. Subject dscr is 1.136. - Due Diligence Vendor-08/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.2 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months. Months Reserves Of 56.2 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 | - Current primary home ownership > 2 years<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 |
| 844049 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844151 | xxxxxx | B A | Closed | xxxxxx | 2025-08-07 06:45 | 2025-08-07 06:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with Compensating FactorsWaived with Compensating Factors. Note on the subject property matured on xxxxxx extension needed. Loan modification seasoning requirement of 6 months not met. - Due Diligence Vendor-08/18/2025 |  | <br> Waived-Client Exception Granted with Compensating FactorsWaived with Compensating Factors. Note on the subject property matured on xxxxxx extension needed. Loan modification seasoning requirement of 6 months not met. The prior mortgage was not past due. It was scheduled to mature in xxxxxx and was fully paid off with loan proceeds in xxxxxx - Due Diligence Vendor-08/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.02 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 40% 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 764 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Borrower exceeds minimum credit score requirement by 64 points <br> 2. LTV is 45.715%, Maximum LTV for the program is 75% <br> 3. Reserves exceed minimum required by at least 13 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844158 | xxxxxx | B A | Closed | xxxxxx | 2025-08-07 14:33 | 2025-08-07 14:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with Compensating FactorsHousing History Does Not Meet Guideline Requirements Waived with Compensating Factors. HOUSING EVENT DOES NOT MEET GUIDELINES OF 48 MOS—NOTE EXTENDED xxxxxx - Due Diligence Vendor-08/18/2025 |  | Waived-Client Exception Granted with Compensating FactorsHousing History Does Not Meet Guideline Requirements Waived with Compensating Factors. HOUSING EVENT DOES NOT MEET GUIDELINES OF 48 MOS—NOTE EXTENDED xxxxxx The prior mortgage was not past due. It was scheduled to mature in xxxxxx and was fully paid off with loan proceeds in xxxxxx- Due Diligence Vendor-08/18/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 707 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 19.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR = 1.24, 39+ MOS RESERVES, EXPERIENCED INVESTOR, 0X3012 ON ALL MORTGAGES |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844163 | xxxxxx | B A | Closed | xxxxxx | 2025-08-27 23:18 | 2025-08-27 23:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with Compensating FactorsClient waived with compensating factors. Approved program requires escrow account. Exception granted to permit escrow waiver. - Due Diligence Vendor-08/28/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient waived with compensating factors. Approved program requires escrow account. Exception granted to permit escrow waiver. - Due Diligence Vendor-08/28/2025<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 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 38.21 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | Reserves > 36 months<br> Borrower exceeds minimum credit score by 98 points<br> All consumer credit paid as agreed in the most recent 12 months. <br> (Current LTV is 15% less than max) however it appears to be at max guideline as FTHB/FTI |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844164 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-01 00:38 | 2025-10-01 11:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail provided is sufficient. xxxxxx. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Counter-\*\*Lender to provide additional details. The COC provided does not provide a valid COC reason in relation to the increase to the appraisal fee. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Counter- The use of cash-out to pay consumer debt, makes this loan subject to consumer loan testing including TRID. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-xxxxxx - Per our compliance and closing department, this is a non-TRID loan - there is no cost to cure for the increase in the appraisal fee. A COC is not required. Please review and see if we can get this cleared. xxxxxx. - Seller-09/09/2025 <br> Open-\*\*\*Final Appraisal Fee indicates that it increased to $915 which exceeds baseline set of $900. The original files does not contain a valid COC in relation to the increase. - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15.00.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-09/01/2025 <br> Open- - Due Diligence Vendor-09/01/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Ready for Review-xxxxxx - Per our compliance and closing department, this is a non-TRID loan - there is no cost to cure for the increase in the appraisal fee. A COC is not required. Please review and see if we can get this cleared. xxxxxx. - Seller-09/09/2025<br>| Resolved-COC event detail provided is sufficient. xxxxxx. - Due Diligence Vendor-10/01/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.29 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 - 18.15 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | COC for change in fee - xxxxxx.pdf<br> COC update - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844164 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-01 00:38 | 2025-10-01 11:03 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail provided is sufficient. xxxxxx. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-see other cond for document - Seller-09/30/2025 <br>Counter-\*\*Lender to provide additional details. The COC provided does not provide a valid COC reason in relation to the increase to the appraisal fee. - Due Diligence Vendor-09/24/2025 <br>Ready for Review-see attached document on other cond - Seller-09/23/2025 <br>Counter- The use of cash-out to pay consumer debt, makes this loan subject to consumer loan testing including TRID. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-xxxxxx - Per our compliance and closing department, this is a non-TRID loan - there is no cost to cure for the increase in the appraisal fee. A COC is not required. Please review and see if we can get this cleared. xxxxxx. - Seller-09/09/2025 <br>Open-\*\*\*Final Appraisal Fee indicates that it increased to $915 which exceeds baseline set of $900. The original files does not contain a valid COC in relation to the increase. - Due Diligence Vendor-09/02/2025 <br>Open- - Due Diligence Vendor-09/02/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/01/2025 <br>Open- - Due Diligence Vendor-09/01/2025 | Ready for Review-see other cond for document - Seller-09/30/2025 <br>Ready for Review-see attached document on other cond - Seller-09/23/2025 <br>Ready for Review-xxxxxx - Per our compliance and closing department, this is a non-TRID loan - there is no cost to cure for the increase in the appraisal fee. A COC is not required. Please review and see if we can get this cleared. xxxxxx. - Seller-09/09/2025<br>| Resolved-COC event detail provided is sufficient. xxxxxx. - Due Diligence Vendor-10/01/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.29 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 - 18.15 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.19% 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 | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844164 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-01 00:38 | 2025-10-01 11:03 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail provided is sufficient. xxxxxx. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-see other cond for document - Seller-09/30/2025 <br>Counter-\*\*Lender to provide additional details. The COC provided does not provide a valid COC reason in relation to the increase to the appraisal fee. - Due Diligence Vendor-09/24/2025 <br>Ready for Review-see attached document on other condition - Seller-09/23/2025 <br>Counter- The use of cash-out to pay consumer debt, makes this loan subject to consumer loan testing including TRID. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-xxxxxx - Per our compliance and closing department, this is a non-TRID loan - there is no cost to cure for the increase in the appraisal fee. A COC is not required. Please review and see if we can get this cleared. xxxxxx. - Seller-09/09/2025 <br>Open-\*\*\*Final Appraisal Fee indicates that it increased to $915 which exceeds baseline set of $900. The original files does not contain a valid COC in relation to the increase. - Due Diligence Vendor-09/02/2025 <br>Open- - Due Diligence Vendor-09/02/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/01/2025 <br>Open- - Due Diligence Vendor-09/01/2025 | Ready for Review-see other cond for document - Seller-09/30/2025 <br>Ready for Review-see attached document on other condition - Seller-09/23/2025 <br>Ready for Review-xxxxxx - Per our compliance and closing department, this is a non-TRID loan - there is no cost to cure for the increase in the appraisal fee. A COC is not required. Please review and see if we can get this cleared. xxxxxx. - Seller-09/09/2025<br>| Resolved-COC event detail provided is sufficient. xxxxxx. - Due Diligence Vendor-10/01/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.29 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 - 18.15 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.19% 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 | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844164 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-02 10:26 | 2025-09-17 14:29 | 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-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Missing tax verification/Insurance for xxxxxx. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-REO Documents provided. - Due Diligence Vendor-09/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.29 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 - 18.15 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Tax bill xxxxxx.pdf<br> LOX for xxxxxx.pdf<br> revised 1008 and 1003 - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844392 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844411 | xxxxxx | B A | Closed | xxxxxx | 2025-08-29 14:44 | 2025-08-29 14:44 | Waived | 2 - Non-Material B | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Waived-Client Exception Granted with Compensating FactorsDocument is incomplete or missing required policy information. Condo HO-6 policy is missing building ordinance or Law endorsement. - Due Diligence Vendor-08/29/2025 |  | Waived-Client Exception Granted with Compensating FactorsDocument is incomplete or missing required policy information. Condo HO-6 policy is missing building ordinance or Law endorsement. - Due Diligence Vendor-08/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.81 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 27.81 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 - 8.91 Years Borrower At Current Residence For Five (5) Or More Years - 8.91 Years<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 | - Experienced investor owns and manages 2 or more properties for 12 months.<br> - Reserves exceed requirement by 10 months or more.<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 |
| 844417 | 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 |  |  |  |
| 844721 | xxxxxx | C A | Closed | xxxxxx | 2025-09-04 15:37 | 2025-09-17 11:39 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate issued xxxxxx or the Revised Loan Estimate issued xxxxxx received, data entered, no additional compliance findings. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/16/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate issued xxxxxx or the Revised Loan Estimate issued 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. - Due Diligence Vendor-09/04/2025 |  | Resolved-Initial Loan Estimate issued xxxxxx or the Revised Loan Estimate issued xxxxxx received, data entered, no additional compliance findings. - Due Diligence Vendor-09/17/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 180.91 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 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 40.22% 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 0.13 |  | Full Review844721_xxxxxx_9_15_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844747 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 20:23 | 2025-09-25 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved- - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/24/2025 <br> Open-For the Following Property. Mortgage Statement Missing xxxxxx - Due Diligence Vendor-08/26/2025 |  |  |  |  | Full Review844747_xxxxxx_9_24_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844748 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-03 07:44 | 2025-10-02 15:01 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Income | Borrower 2 Paystubs Missing | Waived-Client Exception Granted with Compensating FactorsClient provided guideline exception for paystubs by removing borrwer 2 income based on comp factors provided. - Due Diligence Vendor-10/02/2025 <br> Counter-Compensating factor 1: Residual income is $54,688.55;<br> - Due Diligence Vendor-10/02/2025 <br> Counter-Income worksheet provided however condition is for Missing B2 Paystubs (wage earner) - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-09/25/2025 <br> Open-Borrower 2 Paystubs Missing Borrower 2 Paystubs is missing. Guidelines require paystub<br> • Be dated no earlier than 30 days prior to the initial loan application date,<br> • Include all year-to-date earnings, and<br> • Include sufficient information to appropriately calculate income - Due Diligence Vendor-09/03/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient provided guideline exception for paystubs by removing borrwer 2 income based on comp factors provided. - Due Diligence Vendor-10/02/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.31 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | Compensating Factor 1: Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br> Compensating Factor 2: Residual income of $54,688.55 | Full Review844748_xxxxxx_9_25_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844748 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-03 06:46 | 2025-10-02 14:58 | 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 Not Provided (CU Score Is 4.7) - Due Diligence Vendor-10/02/2025 <br>Resolved-Document Uploaded. - Due Diligence Vendor-09/22/2025 <br>Open-CDA Ordered. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Please order a CDA - Due Diligence Vendor-09/16/2025 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.7) - Due Diligence Vendor-09/15/2025 |  | Resolved-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.7) - Due Diligence Vendor-10/02/2025 <br>Resolved-Document Uploaded. - Due Diligence Vendor-09/22/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.31 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | 844748 CDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844748 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-03 07:44 | 2025-10-02 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-B2 VOE provided. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. Borrower 2 is listed 2nd on the attached VOE. - Due Diligence Vendor-10/02/2025 <br>Counter-The Business Search provided is for the B1 Self-employed Business, however the condition is for B2 (wage earner) missing VVOE from the file. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-09/25/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VVOE Is missing need Prior to Close - Due Diligence Vendor-09/03/2025 |  | Resolved-B2 VOE provided. - Due Diligence Vendor-10/02/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.31 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review844748_xxxxxx_9_25_2025_xxxxxx_PM.zip<br> Full Review844748_xxxxxx_10_2_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844850 | xxxxxx | B A | Closed | xxxxxx | 2025-08-12 16:39 | 2025-08-15 10:08 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/12/2025 | Loan Approval page 355 - 08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/15/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844865 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844902 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844949 | xxxxxx | B A | Closed | xxxxxx | 2025-08-08 11:10 | 2025-08-08 11:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 70% exceeds Guideline LTV of 65% Waived with Compensating Factors. Exception required on 70% LTV, borrower received gift funds from husband. Maximum LTV allowed per guide is 65%. - Due Diligence Vendor-08/18/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 70% exceeds Guideline LTV of 65% Waived with Compensating Factors. Exception required on 70% LTV, borrower received gift funds from husband. Maximum LTV allowed per guide is 65%. - Due Diligence Vendor-08/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<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 680 By Twenty (20) or More Points | 10 months reserves, Good FICO score of 763, DSCR of 1.09. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844953 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-07 10:55 | 2025-08-20 09:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-Client Exception Granted with Compensating FactorsException granted with supporting comp factors: USE OF MARKET VALUE WITH PROPERTY AQUIRED LESS THAN 12 MONTHS FROM APPLICATION DATE - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Counter-Exception provided states does not meet GL's of 48 months however per Guidelines: the Lender exception needed for cash out seasoning less than "12 months" using appraised value. (page 418 guidelines) - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025 <br>Open-Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for use of appraised value over the original purchase price plus documented improvements. Lender exception needed for cash out seasoning less than 12 months using appraised value. (page 418 guidelines) Updated 1008 would be helpful as part says Cashout and other part says rate/term with lower credit score. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025<br>| Waived-Client Exception Granted with Compensating FactorsException granted with supporting comp factors: USE OF MARKET VALUE WITH PROPERTY AQUIRED LESS THAN 12 MONTHS FROM APPLICATION DATE - Due Diligence Vendor-08/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.73 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 - 6.41 Years | DSCR 1.03<br> 17+ MOS POST CLOSING RESERVES<br> EXPERIENCED INVESTOR<br> 0X3012 ON ALL MORTGAGES | EXCEPTION FORM.pdf<br> xxxxxx EXCEPTION REVISED.docx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844972 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845167 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845182 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-19 15:27 | 2025-08-27 01:45 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Signed SS provided. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. 8/25/25 - please see HUD signed - Due Diligence Vendor-08/27/2025 <br> Open-Received one is Unexecuted copy, Provide Executed copy for the property xxxxxx. - Due Diligence Vendor-08/19/2025 |  | Resolved-Signed SS provided. - Due Diligence Vendor-08/27/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 24.31 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 Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review845182_xxxxxx_8_25_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845182 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-19 15:28 | 2025-08-27 01:44 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. 8/25/25 - please see Title tax - Due Diligence Vendor-08/27/2025 <br>Open-Missing Property Tax Cert. - Due Diligence Vendor-08/19/2025 |  | Resolved-Property Tax Cert Provided - Due Diligence Vendor-08/27/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 24.31 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 Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review845182_xxxxxx_8_25_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845192 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845210 | xxxxxx | D A | Closed | xxxxxx | 2025-09-01 14:27 | 2025-09-04 21:58 | 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-09/05/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-09/05/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Articles of formation is missing in the file . - Due Diligence Vendor-09/01/2025 |  | Resolved-Entity docs provided - Due Diligence Vendor-09/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 132.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review_Comments_845210_xxxxxx_9_4_2025_xxxxxx_PM.csv<br> Full Review845210_xxxxxx_9_4_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845210 | xxxxxx | D A | Closed | xxxxxx | 2025-09-01 14:26 | 2025-09-04 21:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. See attached Guaranty agreement - Due Diligence Vendor-09/05/2025 <br> Open-Personal Guaranty is missing. Borrower signed as member of LLC , but Guaranty agreement is missing in the file . - Due Diligence Vendor-09/01/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-09/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 132.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review845210_xxxxxx_9_4_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845474 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845524 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845533 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845707 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-13 14:48 | 2025-10-20 10:15 | 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-10/20/2025 <br>Ready for Review-Document Uploaded. Please see UDN - Due Diligence Vendor-10/17/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-10/13/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/20/2025<br>| 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 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 57.69 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 34.57% 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 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.69 Years |  | Full Review845707_xxxxxx_10_17_2025_xxxxxx_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 |
| 845707 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-13 19:25 | 2025-10-20 08:26 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE received, data entered, no additional compliance findings - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-10/17/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-10/13/2025 |  | Resolved-ILE received, data entered, no additional compliance findings - Due Diligence Vendor-10/20/2025<br>| 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 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 57.69 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 34.57% 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 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.69 Years |  | Full Review845707_xxxxxx_10_17_2025_xxxxxx_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 |
| 845776 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845846 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-10 22:06 | 2025-11-10 22:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with Compensating FactorsClient Exception granted with compensating factors to allow waived escrows with FICO <720. - Due Diligence Vendor-11/11/2025 <br>Open-Loan does not include established escrows. Guideline requires escrows with a FICO < 720. - Due Diligence Vendor-11/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient Exception granted with compensating factors to allow waived escrows with FICO <720. - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 811.59 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 - 6.41 Years | Reserves exceed requirement by 10 months or more, Current primary home ownership > 5 years, Reserves exceed requirement by 10 months or more, Current primary home ownership > 5 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 845846 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-11 12:24 | 2025-09-11 12:24 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client Exception Granted with Compensating FactorsException for DSCR < 1 for 1st time investor. - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsException for DSCR < 1 for 1st time investor. - Due Diligence Vendor-09/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 811.59 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 - 6.41 Years | Reserves exceed requirement by 10 months or more, Credit Score 10 points > minimum required, Current primary home ownership > 5 years, Reserves exceed requirement by 10 months or more, Current primary home ownership > 5 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845888 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-08 08:51 | 2025-08-14 11:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Client Exception Granted with Compensating FactorsException granted with supporting comp factors: xxxxxx unit for FTI - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Open-Missing approved exception with comp factors for xxxxxx unit purchase for first time investor. Guidelines for FTI allow 1 unit only. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Waived-Client Exception Granted with Compensating FactorsException granted with supporting comp factors: xxxxxx unit for FTI - Due Diligence Vendor-08/14/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.31 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 720 By Twenty (20) or More Points | FICO 20+ points<br> LTV below max by 10%<br> DSCR > 1.00 | 82507137 xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845892 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845893 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845897 | xxxxxx | B A | Closed | xxxxxx | 2025-07-31 10:50 | 2025-08-01 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-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/01/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 1008 - FINAL (62).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845897 | xxxxxx | B A | Closed | xxxxxx | 2025-07-31 10:50 | 2025-07-31 10:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 70% exceeds Guideline LTV of 65% As per Guidelines Max LTV for Cash-out Refinance is 65%<br> 5% LTV to max 70% - Due Diligence Vendor-07/31/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 70% exceeds Guideline LTV of 65% As per Guidelines Max LTV for Cash-out Refinance is 65%<br> 5% LTV to max 70% - Due Diligence Vendor-07/31/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | FICO 20+ points<br> DSCR > 1.00 (DSCR Only) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 845904 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-10 21:22 | 2025-11-10 21:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow appraised value for LTV with less than 12 months seasoning. (Loan closed in xxxxxx; last transfer occurred xxxxxx) - Due Diligence Vendor-11/11/2025 <br> Open-Required 12 month seasoning for use of appraised value instead of the prior purchase price has not been met. - Due Diligence Vendor-11/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow appraised value for LTV with less than 12 months seasoning. (Loan closed in xxxxxx; last transfer occurred xxxxxx) - Due Diligence Vendor-11/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.82 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 764 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 - 16 Years | Fico 20+ points<br> PITIA reserves above min by 6 months<br> DSCR >1.00 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 845908 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845912 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845913 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845919 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845921 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845922 | xxxxxx | C A | Closed | xxxxxx | 2025-08-05 10:54 | 2025-08-06 12:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-Audited CLTV of 80% exceeds Guideline CLTV of 70% TPR reviewed file and borrower/documents in file and 1003, credit, documents in file do not support that borrower is an "experienced investor" guides under matrix pg #5 / DSCR guides for NonQM Matrix 0501025.V1. Borrower is considered a 1st time investor and max LTV allowed under matrix is 70%. Loan was approved at 80% - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-08/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.11 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 - 38 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx.pdf<br> xxxxxx.pdf<br> 1003 - FINAL (5) (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845926 | xxxxxx | C B A | Closed | xxxxxx | 2025-06-23 14:01 | 2025-06-26 13:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | No Exception in file permitting eligibility assessed and established based upon financial condition and real estate background | Waived-Client Exception Granted with Compensating Factors xxxxxx out of the xxxxxx units are vacant. GL require proof of active listings - Seeking exception without proof of active listing. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/24/2025 <br> Open-MISSING APPROVED EXCEPTION FOR LACK OF DOCUMENTATION CONFIRMING THE xxxxxx VACANT UNITS ARE CURRENTLY MARKETED FOR RENT AND EVIDENCE OF RECEIPT OF 2 MONTHS RENT FOR ALL 3 EXPIRED LEASES CURRENTLY ON MONTH TO MONTH. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Waived-Client Exception Granted with Compensating FactorsClient Waived Exception with Compensating Factors: xxxxxx out of the xxxxxx units are vacant. GL require proof of active listings - Seeking exception without proof of active listing. - Due Diligence Vendor-06/26/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.33 Years<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 700 By Twenty (20) or More Points | Fico 20+ points<br> DSCR >1.00 | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845927 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845932 | xxxxxx | B A | Closed | xxxxxx | 2025-08-15 19:29 | 2025-08-15 19:29 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client Exception Granted with Compensating FactorsCash Out Does Not Meet Guideline Requirements Max cash out per guidelines is $500,000 per guidelines and over 65% ltv. Borrower received $722,829.54 Cash out per exception in file and compensating factors provided by lender. - Due Diligence Vendor-08/15/2025 |  | Waived-Client Exception Granted with Compensating FactorsCash Out Does Not Meet Guideline Requirements Max cash out per guidelines is $500,000 per guidelines and over 65% ltv. Borrower received $722,829.54 Cash out per exception in file and compensating factors provided by lender. - Due Diligence Vendor-08/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 180.02 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 772 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 |
| 845932 | xxxxxx | B A | Closed | xxxxxx | 2025-08-15 10:30 | 2025-08-15 19:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with Compensating Factors Most recent 2 months rent free letter only provided. Exception in file as 12 months needed per guidelines. - Due Diligence Vendor-08/15/2025 |  | Waived-Client Exception Granted with Compensating Factors Most recent 2 months rent free letter only provided. Exception in file as 12 months needed per guidelines. - Due Diligence Vendor-08/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 180.02 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 772 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 Post-Close | Yes | xxxxxx |
| 845935 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-11 16:48 | 2025-07-16 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Asset 2 Missing Gift letter from xxxxxx for $55,000 on 1003 page 267 (gift funds for $51,965.36 seen on page 93) - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Gift Letter_xxxxxx_updated (3).pdf<br> _1003_19_pdf (13).pdf<br> transmittal_19_pdf (18).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845935 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-10 18:11 | 2025-07-11 16:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 75% exceeds Guideline LTV of 70% 5%LTV to max 75% vs 70% for First Time Investor - Due Diligence Vendor-07/10/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 75% exceeds Guideline LTV of 70% 5%LTV to max 75% vs 70% for First Time Investor - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | PITA reserves above min by 6 months (this has not been verified)<br> DSCR > 1 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845936 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845940 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845949 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 12:50 | 2025-09-08 12:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client Exception Granted with Compensating FactorsAudited CLTV of 75% exceeds Guideline CLTV of 70% Exception to go up to 75%. Max on guideline is at 70%. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited CLTV of 75% exceeds Guideline CLTV of 70% Exception to go up to 75%. Max on guideline is at 70%. - Due Diligence Vendor-09/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.09 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 10 points > minimum required, Subject property home ownership > 2 years. Original request included PITIA Reserves of 6 months or more. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846011 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846105 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 13:00 | 2025-10-28 14:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-corrective PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/28/2025 <br> Counter-Right to Cancel forms provided with ROR expiration date of xxxxxx. \*\*\*\*\*\*\* Borrower executed documents on xxxxxx.Please provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/22/2025 <br> Open-Right of Rescission is Missing - Due Diligence Vendor-10/17/2025 |  | Resolved-corrective PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/28/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.49 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 846105_xxxxxx_xxxxxx_NORTC.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 |
| 846105 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 06:30 | 2025-10-28 14:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-corrective PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. See attached PCCD - Due Diligence Vendor-10/28/2025 <br> Counter-Final Closing Disclosure received, data entered, resulting in additional compliance findings. \*\*\*\*\* Funding Date of xxxxxx is prior to the expiration of borrower 3 day ROR, Cure disclosed to borrower in FCD of 410.00 reduced in PCCD to 75.00 resulting in a 0% tolerance cure of 335.00 - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CD. - Due Diligence Vendor-10/23/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures xxxxxx 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-10/17/2025 |  | Resolved-corrective PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/28/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.49 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 846105_xxxxxx_final_CD.pdf<br> 846105_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 |
| 846105 | xxxxxx | D A | Closed | xxxxxx | 2025-10-23 08:05 | 2025-10-28 14:18 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-corrective PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/28/2025 <br> Resolved- - Due Diligence Vendor-10/28/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Final Closing Disclosure received, data entered, resulting in additional compliance findings. \*\*\*\*\*\*\* Borrower executed documents on xxxxxx.Please provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 |  | Resolved-corrective PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/28/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.49 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.36 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 |
| 846105 | xxxxxx | D A | Closed | xxxxxx | 2025-10-23 08:13 | 2025-10-28 14:18 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-corrective PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/28/2025 <br> Resolved- - Due Diligence Vendor-10/28/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($75.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($410.00). 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). Final Closing Disclosure received, data entered, resulting in additional compliance findings. \*\*\*\*\*\*\* Final Closing Disclosure included a cure in the amount of $410.00. PCCD issued reduced the cure to $75.00. A cure once disclosed is a binding credit for the purposes of determining good faith. Cure in the amount of $335.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 |  | Resolved-corrective PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/28/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.49 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.36 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 |
| 846105 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 06:10 | 2025-10-23 11:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. See attached 1003 - Due Diligence Vendor-10/22/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-10/17/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.49 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 846105_xxxxxx_xxxxxx_final_1003_2.pdf<br> 846105_xxxxxx_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 |
| 846105 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 13:00 | 2025-10-23 07:56 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Documentation provided is sufficient. xxxxxx - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-10/22/2025 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-10/17/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx - Due Diligence Vendor-10/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.49 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 846105_xxxxxx_xxxxxx_IEAD.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 |
| 846176 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846267 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 15:31 | 2025-08-29 10:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Cash To Borrower does not meet eligibility requirement(s) | Waived-Client Exception Granted with Compensating FactorsException request for cash out exceeding the maximum allowed of $300,000 - Due Diligence Vendor-08/28/2025 |  | Waived-Client Exception Granted with Compensating FactorsException request for cash out exceeding the maximum allowed of $300,000 - Due Diligence Vendor-08/28/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Subject property home ownership > 5 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846267 | xxxxxx | B A | Closed | xxxxxx | 2025-08-28 15:38 | 2025-08-29 10:41 | Waived | 2 - Non-Material B | Credit | Title | Title issue | Waived-Client Exception Granted with Compensating FactorsException request for minerals, oil and gas leases on title report - Due Diligence Vendor-08/28/2025 |  | Waived-Client Exception Granted with Compensating FactorsException request for minerals, oil and gas leases on title report - Appraiser states no drilling for mineral oil or gas on subject property - Due Diligence Vendor-08/28/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 10 months or more<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Subject property home ownership > 5 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846372 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846395 | 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 |  |  |  |
| 846514 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846521 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846535 | xxxxxx | B A | Closed | xxxxxx | 2025-09-23 10:28 | 2025-10-10 10:43 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*\*Received - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Please see SSPL. xxxxxx! - Due Diligence Vendor-10/10/2025 <br>Open-Service provider list is missing - Due Diligence Vendor-09/23/2025 |  | Resolved-\*\*Received - Due Diligence Vendor-10/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.36 Are Greater Than The Guideline Minimum Of 12 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 0.22 |  | Full Review846535_xxxxxx_10_9_2025_xxxxxx_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 |
| 846535 | xxxxxx | B A | Closed | xxxxxx | 2025-09-23 10:23 | 2025-10-10 10:43 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved; Received IEAD - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Please see Initial escrow account disclosure statement. xxxxxx! - Due Diligence Vendor-10/10/2025 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-09/23/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved; Received IEAD - Due Diligence Vendor-10/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.36 Are Greater Than The Guideline Minimum Of 12 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 0.22 |  | Full Review846535_xxxxxx_10_9_2025_xxxxxx_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 |
| 846537 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846544 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846558 | xxxxxx | D A | Closed | xxxxxx | 2025-09-16 12:58 | 2025-09-22 13:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/19/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing policy number. - Due Diligence Vendor-09/16/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx revised HOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846703 | xxxxxx | B A | Closed | xxxxxx | 2025-08-29 08:35 | 2025-09-05 20:07 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client Exception Granted with Compensating FactorsClient waived with compensating factors. Does not meet the DSDR requirement of >1. The current DSCR is 0.80%. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient waived with compensating factors. Does not meet the DSDR requirement of >1. The current DSCR is 0.80%. - Due Diligence Vendor-09/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | FICO score of 743<br> 29 months post closing reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846711 | xxxxxx | C A | Closed | xxxxxx | 2025-10-07 17:38 | 2025-10-14 08:31 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Costs (page 1) is incomplete or inaccurate | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. cd with all pages attached - Buyer-10/13/2025 <br>Open-Final Closing Disclosure available on page 147,but 1st page missing. - Due Diligence Vendor-10/07/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 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 16.16% 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 - 6.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.71 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 - 25.17 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 - 10.92 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 0.25 |  | Closing Disclosure.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 |
| 846958 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846978 | xxxxxx | D A | Closed | xxxxxx | 2025-10-02 09:42 | 2025-10-08 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-10/08/2025 <br>Open-Title Document is missing - Due Diligence Vendor-10/02/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-10/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 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 29.26% 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 708 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review846978_xxxxxx_10_8_2025_xxxxxx_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 |
| 846991 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 11:26 | 2025-10-16 11:28 | 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-10/16/2025 <br>Ready for Review-Document Uploaded. Gap Credit report - Due Diligence Vendor-10/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-10/06/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/16/2025<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<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% 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 20.13% 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 28.77 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 0.03 |  | Full Review846991_xxxxxx_10_15_2025_xxxxxx_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 |
| 847100 | xxxxxx | B A | Closed | xxxxxx | 2025-09-29 15:52 | 2025-10-17 07:28 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. See attached IEADS - Due Diligence Vendor-10/17/2025 <br> Counter-Final Closing Disclosure and PCCD, section F, indicates an initial escrow reserve account of $3,482.82. IED shows $9,826.65 - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. See attached Initial Escrow Account Disclosure Stmt - Due Diligence Vendor-10/02/2025 <br> Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-09/29/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-10/17/2025<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 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 - 5.29 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years |  | Full Review847100_xxxxxx_10_1_2025_xxxxxx_PM.zip<br> Full Review847100_xxxxxx_10_16_2025_xxxxxx_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 |
| 847133 | 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 |  |  |  |
| 847142 | 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 - Debt Consolidation |  |  |  |
| 847202 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847409 | 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 |  |  |  |
| 847434 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847435 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-11 08:23 | 2025-09-17 13:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception Granted with Compensating FactorsException granted with supporting comp factors: SUBJECT PROPERTY IS IN A xxxxxx NEIGHBORHOOD AND UNDER 25% BUILD-UP REQUESTING THIS TO BE WAIVED - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Counter-Document Uploaded. Approved Exception form needs to be E-signed and dated - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. - Seller-09/11/2025 <br> Open-Per Appraisal, Subject property is located in a xxxxxx, per No Ratio Guidelines, Rural zoned property are Ineligible. Missing Lenders Signed/Dated Approved Exception form - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Waived-Client Exception Granted with Compensating FactorsException granted with supporting comp factors: SUBJECT PROPERTY IS IN A xxxxxx NEIGHBORHOOD AND UNDER 25% BUILD-UP REQUESTING THIS TO BE WAIVED - Due Diligence Vendor-09/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 366.56 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 - 10 Years<br>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 | 240 MONTHS POST CLOSING LIQUID RESERVES FOR SUBJECT PITIA<br> C2 REMODELED COLLATERAL | Screenshot 2025-09-11 082543.jpg<br> EXCEPTION FORM.pdf<br> Screenshot 2025-09-12 121153.jpg<br> xxxxxx Signed Exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 847435 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-07 01:24 | 2025-09-11 08:23 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. - Seller-09/10/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-09/07/2025 | Ready for Review-Document Uploaded. - Seller-09/10/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-09/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 366.56 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 - 10 Years<br>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 |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847485 | 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 |  |  |  |
| 847524 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 14:19 | 2025-10-08 13:00 | 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-10/08/2025 <br>Ready for Review-Document Uploaded. please see attached income breakdown - Due Diligence Vendor-10/07/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender worksheet - Due Diligence Vendor-10/06/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/08/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.61% 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 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review847524_xxxxxx_10_7_2025_xxxxxx_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 |
| 847529 | xxxxxx | D A | Closed | xxxxxx | 2025-10-07 06:48 | 2025-10-14 13:24 | 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-10/14/2025 <br>Ready for Review-Document Uploaded. please see gap report - Due Diligence Vendor-10/13/2025 <br>Open-Borrower 1 Gap Credit Report is Missing 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. Borrower 1 Gap Credit Report is Missing<br> - Due Diligence Vendor-10/07/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.47% 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 800 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 13.17 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 - 6.69 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 - 6.69 Years |  | Full Review847529_xxxxxx_10_13_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847529 | xxxxxx | D A | Closed | xxxxxx | 2025-10-07 06:48 | 2025-10-14 13:24 | 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-10/14/2025 <br>Ready for Review-Document Uploaded. please see gap report - Due Diligence Vendor-10/13/2025 <br>Open-Borrower 2 Gap Credit Report is Missing 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. Borrower 2 Gap Credit Report is Missing. - Due Diligence Vendor-10/07/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.47% 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 800 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 13.17 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 - 6.69 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 - 6.69 Years |  | Full Review847529_xxxxxx_10_13_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847537 | 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 |  |  |  |
| 847607 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847615 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847618 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847670 | xxxxxx | D A | Closed | xxxxxx | 2025-10-20 16:56 | 2025-10-31 11:29 | 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-10/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/31/2025 <br>Counter-Missing the Lenders Bank statement worksheet reflecting all deposit amounts & Excluded deposits used to qualify the borrower's income - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Bank Statement Review Worksheet attached. - Due Diligence Vendor-10/29/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-10/20/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/31/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12542.92 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 - 40 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.91% 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 - 9.16 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.13 Years |  | 847670_xxxxxx_Worksheet.pdf<br> 847670_xxxxxx_Bank_Statement_Review_worksheet.pdf<br> 847670 xxxxxx ANALYSIS (1).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 |
| 847763 | 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 |  |  |  |
| 847765 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847839 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-10 22:01 | 2025-11-10 22:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow 22% of the project units 60 days delinquent. Guideline maximum is 20%. - Due Diligence Vendor-11/11/2025 <br>Open-22% of the subject project units are 60 days delinquent. Guideline maximum is 20%. - Due Diligence Vendor-11/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow 22% of the project units 60 days delinquent. Guideline maximum is 20%. - Due Diligence Vendor-11/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.85 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.84 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.96 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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.47% 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 772 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> \* Reserves exceed requirement by 10 months or more<br> \* Self-employed for > 10 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847839 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-06 11:58 | 2025-10-23 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Evidence of HOA dues provided. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. HOA documents and corrected 1003 and 1008 - Due Diligence Vendor-10/16/2025 <br> Open-Missing HOA statement for xxxxxx - Due Diligence Vendor-10/06/2025 |  | Resolved-Evidence of HOA dues provided. - Due Diligence Vendor-10/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.85 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.84 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.96 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.47% 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 772 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review847839_xxxxxx_10_16_2025_xxxxxx_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 |
| 847848 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-24 16:32 | 2025-10-09 13:13 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-10/09/2025 <br> Resolved-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-10/09/2025 <br> Resolved- - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. Please see cure documentation - Due Diligence Vendor-10/08/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\* Finding in relation to \*\*\*\* The following charges have been either added or increased: Appraisal Re-inspection resulting in a 0% tolerance cure in the amount of $30. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $30 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. \*INCREASE DOES NOT RESULT IN HIGH COST LOAN - ONLY A TRID TOLERANCE CURE\* - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/24/2025 |  | Cured-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-10/09/2025 <br> Resolved-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-10/09/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 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 29.4% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review847848_xxxxxx_10_8_2025_xxxxxx_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 |
| 847848 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-24 16:32 | 2025-10-09 13:12 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-10/09/2025 <br> Resolved-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-10/09/2025 <br> Resolved- - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. Please see cure documentation - Due Diligence Vendor-10/08/2025 <br> Open-\*\*\*\* The following charges have been either added or increased: Appraisal Re-inspection resulting in a 0% tolerance cure in the amount of $30. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $30 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. \*INCREASE DOES NOT RESULT IN HIGH COST LOAN - ONLY A TRID TOLERANCE CURE\* - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/24/2025 |  | Cured-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-10/09/2025 <br>Resolved-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-10/09/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 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 0.17<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 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 29.4% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review847848_xxxxxx_10_8_2025_xxxxxx_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 |
| 847848 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-24 16:32 | 2025-10-09 13:12 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-10/09/2025 <br>Resolved- - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. Please see cure documentation - Due Diligence Vendor-10/08/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\* Finding in relation to \*\*\*\* The following charges have been either added or increased: Appraisal Re-inspection resulting in a 0% tolerance cure in the amount of $30. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $30 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/26/2025 <br>Open- - Due Diligence Vendor-09/26/2025 <br>Open- - Due Diligence Vendor-09/24/2025 |  | Resolved-\*\*\*Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-10/09/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 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 0.17<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 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 29.4% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review847848_xxxxxx_10_8_2025_xxxxxx_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 |
| 847860 | 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 |  |  |  |
| 847874 | 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 |  |  |  |
| 847942 | 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 |  |  |  |
| 848011 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 09:04 | 2025-10-22 08:05 | 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-10/22/2025 <br>Ready for Review-Document Uploaded. See worksheet - Due Diligence Vendor-10/21/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-10/16/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.48 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 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 15.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review848011_xxxxxx_10_20_2025_xxxxxx_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 |
| 848011 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 07:57 | 2025-10-22 08:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. See title - Due Diligence Vendor-10/21/2025 <br>Open-Title Document is missing Title document is missing <br> - Due Diligence Vendor-10/16/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-10/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.48 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 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 15.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review848011_xxxxxx_10_20_2025_xxxxxx_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 |
| 848011 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 10:09 | 2025-10-22 08:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. See purchase contract - Due Diligence Vendor-10/21/2025 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-10/16/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.48 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 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 15.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review848011_xxxxxx_10_20_2025_xxxxxx_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 |
| 848011 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 10:22 | 2025-10-22 08:02 | 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-10/22/2025 <br>Ready for Review-Document Uploaded. See Fraud - Due Diligence Vendor-10/21/2025 <br>Open-Missing Third Party Fraud Report Fraud report is missing - Due Diligence Vendor-10/16/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.48 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 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 15.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review848011_xxxxxx_10_20_2025_xxxxxx_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 |
| 848011 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 11:26 | 2025-10-16 11:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client Exception Granted with Compensating FactorsAudited CLTV of 85% exceeds Guideline CLTV of 80% Exception to allow 85% as max is 80% for first time home buyer. - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited CLTV of 85% exceeds Guideline CLTV of 80% Exception to allow 85% as max is 80% for first time home buyer. - Due Diligence Vendor-10/16/2025<br>| <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.48 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 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 15.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | Credit Score 30+ points > minimum required.<br> DTI <= 36% which is below requirement in guidelines.<br> Residual income more than 2.5x the amount required by guidelines |  | 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 |
| 848011 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 11:26 | 2025-10-16 11:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 85% exceeds Guideline LTV of 80% Exception to allow 85% as max is 80% for first time home buyer. - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 85% exceeds Guideline LTV of 80% Exception to allow 85% as max is 80% for first time home buyer. - Due Diligence Vendor-10/16/2025<br>| <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.48 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 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 15.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | Credit Score 30+ points > minimum required.<br> DTI <= 36% which is below requirement in guidelines.<br> Residual income more than 2.5x the amount required by guidelines |  | 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 |
| 848011 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 11:26 | 2025-10-16 11:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client Exception Granted with Compensating FactorsAudited HCLTV of 85% exceeds Guideline HCLTV of 80% Exception to allow 85% as max is 80% for first time home buyer. - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited HCLTV of 85% exceeds Guideline HCLTV of 80% Exception to allow 85% as max is 80% for first time home buyer. - Due Diligence Vendor-10/16/2025<br>| <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.48 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 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 15.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | Credit Score 30+ points > minimum required.<br> DTI <= 36% which is below requirement in guidelines.<br> Residual income more than 2.5x the amount required by guidelines |  | 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 |
| 848106 | 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 |  |  |  |
| 848165 | 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 |  |  |  |
| 848310 | xxxxxx | B A | Closed | xxxxxx | 2025-09-23 13:08 | 2025-09-23 13:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contributions Do Not Meet Guidelines | Waived-Client Exception Granted with Compensating FactorsLender exception for allowing IPC to be used for non-recurring and recurring closing costs. Current guidelines are not written clearer. - Due Diligence Vendor-09/23/2025 |  | Waived-Client Exception Granted with Compensating FactorsLender exception for allowing IPC to be used for non-recurring and recurring closing costs. Current guidelines are not written clearer. - Due Diligence Vendor-09/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.04% 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 13.57 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 - 10.08 Years | < 35% DTI<br> 12+ months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848311 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-11 13:24 | 2025-10-02 09:18 | 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-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Counter-The Condition is for Missing the Lenders Bank statement Income worksheet reflecting all monthly/excluded deposits. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary . Provide 12 months bank statement income worksheet as it was not provided at the time of review for income of $38,642.06. Review finds lower income. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/02/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<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 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 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 - 10.68 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | ASSETS USED FOR INCOME.pdf<br> xxxxxx INCOME WS.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 |
| 848311 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-11 13:23 | 2025-10-02 09:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Counter-The condition is for Missing the Flood Cert - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Not in a flood zone - Seller-09/24/2025 <br>Open-Missing Flood Certificate . Provide flood cert for the subject property pulled prior to closing. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Ready for Review-Not in a flood zone - Seller-09/24/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/02/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<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 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 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 - 10.68 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | 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 |
| 848311 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-15 12:11 | 2025-09-25 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-I-797C form provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing . Provide borrower's EAD card and/or the I-797C that was granted an exception to use on the loan. Only a Driver's license was provided at the time of review which is not the required form for the borrowers Citizenship. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-I-797C form provided - Due Diligence Vendor-09/25/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<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 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 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 - 10.68 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | IDENTIFICATION MISC.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 |
| 848311 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-11 13:29 | 2025-09-11 16:40 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Identity Issues identified in the file | Waived-Client Exception Granted with Compensating FactorsEAD EXPIRED – ASKING TO USE I-797C APPLICATION FOR PERMANENT RESIDENT STATUS ON FILE - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsEAD EXPIRED – ASKING TO USE I-797C APPLICATION FOR PERMANENT RESIDENT STATUS ON FILE - Due Diligence Vendor-09/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<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 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 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 - 10.68 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 761 QUALIFYING FICO HIGHER THAN MINIMUM REQUIRED OF 660, 16+ MONTHS OF POST CLOSING RESERVES, LTV 65%, LOW DTI |  | 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 |
| 848311 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-11 13:29 | 2025-09-11 16:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Client Exception Granted with Compensating FactorsEXCEPTION TO ALLOW NO VOR--CLIENT ONLY ABLE TO PROVIDE 12 MONTHS CANCELLED CHECKS AND LEASE AGREEMENT - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsEXCEPTION TO ALLOW NO VOR--CLIENT ONLY ABLE TO PROVIDE 12 MONTHS CANCELLED CHECKS AND LEASE AGREEMENT - Due Diligence Vendor-09/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<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 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 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 - 10.68 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 761 QUALIFYING FICO HIGHER THAN MINIMUM REQUIRED OF 660, 16+ MONTHS OF POST CLOSING RESERVES, LTV 65%, LOW DTI |  | 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 |
| 848311 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-11 13:30 | 2025-09-11 16:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception Granted with Compensating FactorsEXCEPTION TO ALLOW THE USE OF 12BS FOR INCOME CALCULATION. NPRA IS RESTRICTED TO 24BS - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsEXCEPTION TO ALLOW THE USE OF 12BS FOR INCOME CALCULATION. NPRA IS RESTRICTED TO 24BS - Due Diligence Vendor-09/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<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 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 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 - 10.68 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 761 QUALIFYING FICO HIGHER THAN MINIMUM REQUIRED OF 660, 16+ MONTHS OF POST CLOSING RESERVES, LTV 65%, LOW DTI  |  | 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 |
| 848313 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-10 21:56 | 2025-11-10 21:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow appraisal transfer outside of guideline tolerance. - Due Diligence Vendor-11/11/2025 <br>Open-Appraisal transfer occurred 51 days prior to loan submission. Guideline requires a transfer to occur with 45 days prior to loan submission. - Due Diligence Vendor-11/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow appraisal transfer outside of guideline tolerance. - Due Diligence Vendor-11/11/2025<br>| <br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.76 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 - 20.76 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.09 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | 1. Fico score is 729 <br> 2. Payment shock is 71.468% <br> 3. Residual income is $48,642.98, minimum is $2,500 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 848313 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-02 08:42 | 2025-10-14 09:21 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Second Appraisal is Missing | Resolved-2nd Full Appraisal provided - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Counter-The appraisal provided was already in the Lenders File - The condition is for a "second full appraisal" from a different appraisal company/appraiser is required on loan amounts > $2,000,000". Subject loan amount is xxxxxx - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Counter-Field Review provided however condition is for "A second appraisal" is required on loan amounts > $2,000,000". Subject loan amount is xxxxxx - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-. Provide second full appraisal as required per guidelines "A second appraisal is required on loan amounts > $2,000,000". Subject loan amount is xxxxxx - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 | Resolved-2nd Full Appraisal provided - Due Diligence Vendor-10/14/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.76 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 - 20.76 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.09 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | FIELD REVIEW.pdf<br> APPRAISAL.pdf<br> APPRAISAL 2.pdf<br> APPRAISAL 1.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 |
| 848313 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-30 13:19 | 2025-09-30 13:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-Client Exception Granted with Compensating FactorsEXCEPTION FOR RURAL RESIDENTIAL (RR) ZONING - Due Diligence Vendor-09/30/2025 |  | Waived-Client Exception Granted with Compensating FactorsEXCEPTION FOR RURAL RESIDENTIAL (RR) ZONING - Appraiser confirms subject property zoning is legal - Due Diligence Vendor-09/30/2025 | <br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.76 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 - 20.76 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.09 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | 1. Fico score is 729 <br> 2. Payment shock is 71.468% <br> 3. Residual income is $48,642.98, minimum is $2,500 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 848313 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-30 13:17 | 2025-09-30 13:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client Exception Granted with Compensating FactorsAudited DTI of 44.11% exceeds Guideline DTI of 43% EXCEPTION FOR DTI OF 44.11%, LOAN AMOUNTS > $3,500,000; MAX. ALLOWED IS 43% - Due Diligence Vendor-09/30/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited DTI of 44.11% exceeds Guideline DTI of 43% EXCEPTION FOR DTI OF 44.11%, LOAN AMOUNTS > $3,500,000; MAX. ALLOWED IS 43% - Due Diligence Vendor-09/30/2025 | <br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.76 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 - 20.76 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.09 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | 1. Fico score is 729 <br> 2. Payment shock is 71.468% <br> 3. Residual income is $48,642.98, minimum is $2,500 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 848314 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-15 11:45 | 2025-10-02 08:25 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Waived-Client Exception Granted with Compensating FactorsException granted with supporting comp factors: GUIDELINES REQUIRE CDA TO BE WITHIN 10% VARIANCE REQUESTING CDA TO BE OUTSIDE OF 10% VARIANCE AND USE LOWER OF THE VALUE FROM THE CDA. <br> - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Counter-From page 3 of 38 of 8/1/2025 guidelines "If the Appraisal Review Product value is more than 10% below the appraised value a second appraisal is required. When a second appraisal is provided, the transactions "Appraised Value" will be the lower of the two appraisals. " OR please provide a lender exception to use the lower value.<br> - Due Diligence Vendor-09/19/2025 <br> Ready for Review-it is acceptable to use the lower of the appraised value per our guidelines<br> Separately, we based our LTV off the lower of the value and purchase price, the lower of all three, as the added hedge:<br> xxxxxx Appraisal<br> xxxxxx CCA<br> xxxxxx Purchase Price<br>xxxxxx loan amount / xxxxxx = 80% LTV<br>- Seller-09/18/2025 <br> Counter-Subject Loan is a Purchase, sales price is xxxxxx - Sales price was used for LTV calculations, per Guidelines: If the Appraisal Review Product value is more than 10% below the appraised value a second appraisal is required. The Desk review provided exceeds the 10% (-11.11%) a 2nd Appraisal is required. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-lower value from the CCA as indicated xxxxxx is how we proceeded - Seller-09/16/2025 <br> Open-Desk review provided is not within 10%. Variance is -11.11%. Guidelines state: If the Appraisal Review Product value is more than 10% below the appraised value a second appraisal is required. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Ready for Review-it is acceptable to use the lower of the appraised value per our guidelines<br> Separately, we based our LTV off the lower of the value and purchase price, the lower of all three, as the added hedge:<br> xxxxxx Appraisal<br> xxxxxx CCA<br> xxxxxx Purchase Price<br>xxxxxx loan amount / xxxxxx = 80% LTV<br>- Seller-09/18/2025 <br> Ready for Review-lower value from the CCA as indicated xxxxxx is how we proceeded - Seller-09/16/2025 | Waived-Client Exception Granted with Compensating FactorsException granted with supporting comp factors: GUIDELINES REQUIRE CDA TO BE WITHIN 10% VARIANCE REQUESTING CDA TO BE OUTSIDE OF 10% VARIANCE AND USE LOWER OF THE VALUE FROM THE CDA. <br> - Due Diligence Vendor-10/02/2025<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.22 Years | DTI ratio is 31.842% less than 35%<br> Reserves are 19.84 months post loan closing<br> Current FICO is 759 which greater than the 660 minimum FICO score, exceeds minimum credit score requirement by at least 99 points.<br> No lates on their rent pay as shown in VOR<br> Borrower is paying the down payment with their own funds | xxxxxx EXCEPTION FORM.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 |
| 848314 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-11 15:06 | 2025-09-11 16:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 80% exceeds Guideline LTV of 75% Exception approval to allow LTV OF 80% when max is 75% for FTHB with no rental or incomplete housing history - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 80% exceeds Guideline LTV of 75% Exception approval to allow LTV OF 80% when max is 75% for FTHB with no rental or incomplete housing history - Due Diligence Vendor-09/11/2025<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.22 Years | DTI ratio is 31.842% less than 35% <br> Reserves are 19.84 months post loan closing <br> Current FICO is 759 which greater than the 660 minimum FICO score, exceeds minimum credit score requirement by at least 99 points. <br> No lates on their rent pay as shown in VOR <br> Borrower is paying the down payment with their own funds |  | 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 |
| 848314 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-11 15:06 | 2025-09-11 16:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception Granted with Compensating FactorsException approval to allow incomplete housing history as rent payments are paid in cash. - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsException approval to allow incomplete housing history as rent payments are paid in cash. - Due Diligence Vendor-09/11/2025<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.22 Years | DTI ratio is 31.842% less than 35% <br> Reserves are 19.84 months post loan closing <br> Current FICO is 759 which greater than the 660 minimum FICO score, exceeds minimum credit score requirement by at least 99 points. <br> No lates on their rent pay as shown in VOR <br> Borrower is paying the down payment with their own funds |  | 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 |
| 848316 | xxxxxx | B A | Closed | xxxxxx | 2025-09-23 12:10 | 2025-09-23 12:10 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow both borrowers to provide W7 in lieu of ITIN letter. - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow both borrowers to provide W7 in lieu of ITIN letter. - Due Diligence Vendor-10/16/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.26 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 - 10.61 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 - 10.58 Years<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 720 By Twenty (20) or More Points | FICO 744<br> B1 100% owner of business |  | 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 |
| 848316 | xxxxxx | B A | Closed | xxxxxx | 2025-09-23 12:09 | 2025-09-23 12:09 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Missing | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow B2 to not provide xxxxxx government issued ID driver license needed for program. Foreign passport provided. - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow B2 to not provide xxxxxx government issued ID driver license needed for program. Foreign passport provided. - Due Diligence Vendor-10/16/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.26 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 - 10.61 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 - 10.58 Years<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 720 By Twenty (20) or More Points | FICO 744<br> B1 100% owner of business |  | 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 |
| 848316 | xxxxxx | B A | Closed | xxxxxx | 2025-09-23 12:02 | 2025-09-23 12:02 | Waived | 2 - Non-Material B | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow co-mingled personal bank statements to calculate income for both borrowers. - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow co-mingled personal bank statements to calculate income for both borrowers. - Due Diligence Vendor-10/16/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.26 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 - 10.61 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 - 10.58 Years<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 720 By Twenty (20) or More Points | FICO 744<br> B1 100% owner of business |  | 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 |
| 848316 | xxxxxx | B A | Closed | xxxxxx | 2025-09-23 11:56 | 2025-09-23 12:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 3.5 are less than Guideline Required Reserves of 8 - Client exception granted with compensating factors. - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 3.5 are less than Guideline Required Reserves of 8 - Client exception granted with compensating factors. - Due Diligence Vendor-10/16/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.26 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 - 10.61 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 - 10.58 Years<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 720 By Twenty (20) or More Points | FICO 744<br> B1 100% owner of business |  | 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 |
| 848316 | xxxxxx | B A | Closed | xxxxxx | 2025-09-23 11:56 | 2025-09-23 11:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 76% exceeds Guideline LTV of 70% for FTHB with no or incomplete housing history. Client exception granted with compensating factors. - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 76% exceeds Guideline LTV of 70% for FTHB with no or incomplete housing history. Client exception granted with compensating factors. - Due Diligence Vendor-10/16/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.26 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 - 10.61 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 - 10.58 Years<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 720 By Twenty (20) or More Points | FICO 744<br> B1 100% owner of business |  | 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 |
| 848316 | xxxxxx | B A | Closed | xxxxxx | 2025-09-23 11:56 | 2025-09-23 11:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client Exception Granted with Compensating FactorsAudited DTI of 47.59% exceeds Guideline DTI of 43% - Client exception granted with compensating factors. - Due Diligence Vendor-10/16/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited DTI of 47.59% exceeds Guideline DTI of 43% - Client exception granted with compensating factors. - Due Diligence Vendor-10/16/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.26 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 - 10.61 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 - 10.58 Years<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 720 By Twenty (20) or More Points | FICO 744<br> B1 100% owner of business |  | 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 |
| 848317 | xxxxxx | D A | Closed | xxxxxx | 2025-10-02 11:32 | 2025-10-13 11:55 | 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-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Counter-Missing Approved Lender exception - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Borrower 2's employer is using a third-party verifier (xxxxxx WorkNumber) which we requested the UW team to repull, but it has been waived by the xxxxxx. This was noted on our 1008 <br>- Seller-10/08/2025 <br> Counter-the VVOE provided is dated xxxxxx and per guidelines verification of employment for borrower 2 with the xxxxxx should be completed within 10 days of the Note. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing . Provide verification of employment for borrower 2 with the xxxxxx completed within 10 days of the Note. The WVOE provided was completed on xxxxxx which is over 10 days from the Note date. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Ready for Review-Borrower 2's employer is using a third-party verifier (xxxxxx WorkNumber) which we requested the UW team to repull, but it has been waived by the xxxxxx. This was noted on our 1008 <br>- Seller-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/13/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.71 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.86 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 - 7.25 Years<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 - 25.17 Years |  | WRITTEN VOE CO-BORROWER.pdf<br> WVOE xxxxxx - B2.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 |
| 848355 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848380 | xxxxxx | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848382 | xxxxxx | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848402 | xxxxxx | D A | Closed | xxxxxx | 2025-10-13 03:37 | 2025-10-17 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. 10/15/25 - Lender response: These are proceeds from the subject transaction entered for reserves. There is not an additional loan. - Due Diligence Vendor-10/16/2025 <br> Open-Asset 1 Missing Required proof and LOX for Proceeds From Secured Loan xxxxxx. - Due Diligence Vendor-10/13/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-10/17/2025<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 23.3% 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 - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.65 Are Greater Than The Guideline Minimum Of 9 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 - 6.69 Years |  | Full Review848402_xxxxxx_10_15_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848426 | xxxxxx | C A | Closed | xxxxxx | 2025-10-10 13:37 | 2025-10-14 13:20 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-PRA provided. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Please see aatched - Due Diligence Vendor-10/13/2025 <br>Open-Borrower is a Permanent Resident Alien. Only state ID provided. Provide additional identification docs. - Due Diligence Vendor-10/10/2025 |  | Resolved-PRA provided. - Due Diligence Vendor-10/14/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 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<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 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 34.44% 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 - 25.00 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 3 By Six (6) Or More Months |  | Full Review848426_xxxxxx_10_13_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848460 | 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 |  |  |  |
| 848462 | 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 |  |  |  |
| 848463 | xxxxxx | 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 |  |  |  |
| 848470 | xxxxxx | xxxxxx C A | Closed | xxxxxx | 2025-10-03 11:01 | 2025-10-08 12:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.65 are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/07/2025 <br> Open-Audited Reserves of 2.58 are less than Guideline Required Reserves of 4. Borrower is short $28690.17 in liquid assets to meet the 4 month reserves - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/07/2025<br>| Resolved-Audited Reserves of 4.65 are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-10/08/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.14% 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 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx_Lender 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 |
| 848471 | xxxxxx | 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 |  |  |  |
| 848478 | 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 |  |  |  |
| 848623 | xxxxxx | D A | Closed | xxxxxx | 2025-10-16 04:20 | 2025-10-27 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 5 Missing | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Attached is the updated 1003 not including this account. - Due Diligence Vendor-10/24/2025 <br> Open-Asset 5 Missing Missing the following bank statements: xxxxxx - Due Diligence Vendor-10/16/2025 |  | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-10/27/2025<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 720 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 - 20.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.04 Are Greater Than The Guideline Minimum Of 9 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 - 20.49 Years |  | 848623_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 |
| 848623 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 15:10 | 2025-10-23 12:34 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Ready for Review-Document Uploaded. Paystubs were provided in the credit package and have the current and YTD income totals on the very far right side. - Due Diligence Vendor-10/23/2025 <br> Counter-Document Uploaded. The Documentation provided which appears to be a Paystub does not provide the borrower's salary/Income breakdown, only the borrower's benefits. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. See attached email - Due Diligence Vendor-10/22/2025 <br> Open-Income of $39,865.84 that was being used is not supported by the 2025 YTD income causing DTI discrepancy audit 48.44% vs lender 36.70%. Income was corrected to use the 2025 YTD income of $30,626.36. Provide supporting documentation to use higher income. - Due Diligence Vendor-10/20/2025 |  |  | 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 720 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 - 20.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.04 Are Greater Than The Guideline Minimum Of 9 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 - 20.49 Years |  | 848623_xxxxxx_848623_seller_email.pdf<br> Screenshot 2025-10-22 102301.jpg<br> 848623_xxxxxx_paystubs.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 |
| 848625 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 17:14 | 2025-10-13 07:49 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. final 1003 all pages - Buyer-10/10/2025 <br>Open-The Final 1003 is Incomplete Final 1003 under doc pg #596 is missing page #3 - Due Diligence Vendor-10/06/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.25% Is Less Than The Guideline Maximum Of 43% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.84 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 - 20.00 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 - 15.59 Years |  | final 1003 xxxxxx all pages.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 |
| 848629 | xxxxxx | xxxxxx C B A | Closed | xxxxxx | 2025-11-10 21:48 | 2025-11-10 21:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject Property Lot Size Exceeds Guideline Maximum | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow subject lot which exceeds the guideline maximum. - Due Diligence Vendor-11/11/2025 <br> Open- Property is xxxxxx acres which exceeds guideline maximum of 5. - Due Diligence Vendor-11/11/2025 |  | Waived-Client Exception Granted with Compensating FactorsClient exception granted with compensating factors to allow subject lot which exceeds the guideline maximum. - Due Diligence Vendor-11/11/2025<br>| <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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | CALCULATED DTI IS LESS THAN THE GUIDELINE MAXIMUM BY FIVE PERCENT (5%) OR MORE<br> MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE<br> MONTHSLOW CREDIT USAGE RATIO OF TWENTY-FIVE PERCENT (25%) OR LESS |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 848629 | xxxxxx | xxxxxx C B A | Closed | xxxxxx | 2025-09-29 03:02 | 2025-10-02 08:53 | 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-10/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/01/2025 <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 hazard coverage including all hazards OR satisfactory RCE. Existing insurance appears to only cover fire hazard. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-10/01/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/02/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | 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 |
| 848674 | 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 |  |  |  |
| 848718 | 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 |  |  |  |
| 848724 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 08:13 | 2025-10-28 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing, section 2.5.2 indicates a gap credit report is required no more than 30-days from closing. - Due Diligence Vendor-10/27/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/28/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 12.45 Are Greater Than The Guideline Minimum Of 6 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<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 680 By Twenty (20) or More Points Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 680 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 |
| 848741 | 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 |  |  |  |
| 848762 | 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 |  |  |  |
| 848777 | 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 |  |  |  |
| 848859 | xxxxxx | D A | Closed | xxxxxx | 2025-10-10 00:27 | 2025-10-15 08:16 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-1-4 Rider Provided - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. deed with all pages attached - Buyer-10/14/2025 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-10/10/2025 |  | Resolved-1-4 Rider Provided - Due Diligence Vendor-10/15/2025<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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.24% 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 0.13<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | dot & all pages xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848922 | 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 |  |  |  |
| 849019 | 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 |  |  |  |
| 849099 | 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 |  |  |  |
| 849108 | 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 |  |  |  |
| 849177 | 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 |  |  |  |
| 849253 | xxxxxx | C A | Closed | xxxxxx | 2025-10-01 08:32 | 2025-10-08 14:07 | 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-10/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/07/2025 <br> Open-The Builder is in control of the HOA Please provide clarification. The HOA Certificate says the Unit Owners hold control and the appraisal says Builder holds control. Control has to be transferred to the unit owners per xxxxxx to be eligible for financing. - Due Diligence Vendor-10/01/2025 |  | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-10/08/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<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 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 - 10.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.9% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.88% 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 758 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx ssr.pdf<br> xxxxxx ssr.pdf<br> updated 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 |
| 849285 | xxxxxx | D A | Closed | xxxxxx | 2025-10-15 15:38 | 2025-10-27 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Resolved-Borrower 1 Gap Credit Report is not partially present. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. See PCM report - Due Diligence Vendor-10/24/2025 <br> Open-Borrower 1 Gap Credit Report is Partially Present. File includes a credit supplement VOM with xxxxxx on xxxxxx. - Due Diligence Vendor-10/15/2025 |  | Resolved-Borrower 1 Gap Credit Report is not partially present. - Due Diligence Vendor-10/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.99% 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 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 47.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 47.82 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 - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - 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 - 6.70 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.70 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years |  | 849285_xxxxxx_PCM_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 |
| 849309 | 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 |  |  |  |
| 849337 | 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 |  |  |  |
| 849339 | 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 |  |  |  |
| 849395 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-14 14:58 | 2025-10-20 13:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception Granted with Compensating FactorsRural property with LTV > 75% - Due Diligence Vendor-10/20/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Due Diligence Vendor-10/14/2025 |  | Waived-Client Exception Granted with Compensating FactorsRural property with LTV > 75% - Due Diligence Vendor-10/20/2025<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 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 26.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO score 30+ points higher than the minimum.<br> Residual income 2.5x the amount required by guidelines.<br> Total debt reduced by $500. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 849403 | xxxxxx | D A | Closed | xxxxxx | 2025-10-21 03:10 | 2025-10-22 10:53 | 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-10/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/21/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/22/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 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 0.25<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.33 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 |
| 849640 | xxxxxx | C A | Closed | xxxxxx | 2025-10-22 10:29 | 2025-10-24 15:45 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Renewal of PRA card provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see attached Application to replace Permanent Resident card. - Due Diligence Vendor-10/23/2025 <br> Open-Permanent resident card is expired xxxxxx. no extension or renewal in file. - Due Diligence Vendor-10/22/2025 |  | Resolved-Renewal of PRA card provided - Due Diligence Vendor-10/24/2025<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 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 - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 849640_xxxxxx_-_Green_card_extension.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 |
| 849685 | xxxxxx | D A | Closed | xxxxxx | 2025-10-20 09:33 | 2025-10-23 12:11 | 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-10/23/2025 <br> Ready for Review-Document Uploaded. deed of trust - Buyer-10/22/2025 <br> Open-The Deed of Trust is Missing - Due Diligence Vendor-10/20/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-10/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.28 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 30.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | deed of trust xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849915 | 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 |  |  |  |
| 849979 | xxxxxx | 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 |  |  |  |
| 850138 | 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 |  |  |  |
| 850139 | xxxxxx | B A | Closed | xxxxxx | 2025-10-03 08:35 | 2025-10-03 08:35 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Client Exception Granted with Compensating FactorsEXCEPTION REQUIRED TO USE BANK STATEMENT FROM xxxxxx xxxxxx FOR INCOME QUALIFICATION. BANK STATEMENT IS A CO-MINGLED/JOINT ACCOUNT WITH NON-BORROWER SPOUSE - Due Diligence Vendor-10/03/2025 |  | Waived-Client Exception Granted with Compensating FactorsEXCEPTION REQUIRED TO USE BANK STATEMENT FROM xxxxxx xxxxxx FOR INCOME QUALIFICATION. BANK STATEMENT IS A CO-MINGLED/JOINT ACCOUNT WITH NON-BORROWER SPOUSE - Due Diligence Vendor-10/03/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.61% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.75 Years | 1. DTI is 37.607% <br> 2. Payment shock is 242.128%, max is 300% <br> 3. Credit score is 710, minimum is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850139 | xxxxxx | B A | Closed | xxxxxx | 2025-10-03 08:34 | 2025-10-03 08:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 5.23 are less than Guideline Required Reserves of 6. - Due Diligence Vendor-10/03/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 5.23 are less than Guideline Required Reserves of 6. - Due Diligence Vendor-10/03/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.61% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.75 Years | 1. DTI is 37.607% <br> 2. Payment shock is 242.128%, max is 300% <br> 3. Credit score is 710, minimum is 660. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850141 | xxxxxx | B A | Closed | xxxxxx | 2025-10-03 08:59 | 2025-10-08 12:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Bankruptcy less than 5 years from application | Waived-Client Exception Granted with Compensating Factors CREDIT REPORT SHOWS CHAPTER 13 BANKRUPTCY DISMISSED ON xxxxxx. 48 MONTHS SEASONING REQUIREMENT NOT MET - Due Diligence Vendor-10/03/2025 |  | <br> Waived-Client Exception Granted with Compensating Factors CREDIT REPORT SHOWS CHAPTER 13 BANKRUPTCY DISMISSED ON xxxxxx. 48 MONTHS SEASONING REQUIREMENT NOT MET The borrower has successfully re-established credit since the 2024 Chapter 13 discharge. The loan's low LTV serves as a significant compensating factor. Additionally, the borrower has maintained a consistent, on-time payment history, even throughout the consolidation bankruptcy, and currently holds a FICO score of 703, exceeding the minimum requirement- Due Diligence Vendor-10/03/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.75 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 - 21.75 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.3% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More | 1. LTV of 50% max allowed is 80% <br> 2. FICO OF 703 minimum required is 660 <br> 3. Current employment of 21 years same employer <br> 4. Current primary/subject owned since xxxxxx |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 850141 | xxxxxx | B A | Closed | xxxxxx | 2025-10-03 09:01 | 2025-10-08 12:36 | Waived | 2 - Non-Material B | Credit | Liabilities | Mortgage history for primary residence less than 12 months | Waived-Client Exception Granted with Compensating FactorsMORTGAGE ON THE SUBJECT PROPERTY MATURED ON xxxxxx AND NEEDS TO BE EXTENDED. LOAN MODIFICATION SEASONING REQUIREMENT NOT MET. LIEN HOLDER WILL NOT EXTEND. - Due Diligence Vendor-10/03/2025 |  | Waived-Client Exception Granted with Compensating FactorsMORTGAGE ON THE SUBJECT PROPERTY MATURED ON xxxxxx AND NEEDS TO BE EXTENDED. LOAN MODIFICATION SEASONING REQUIREMENT NOT MET. LIEN HOLDER WILL NOT EXTEND. - Due Diligence Vendor-10/03/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.75 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 - 21.75 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.3% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More | 1. LTV of 50% max allowed is 80% <br> 2. FICO OF 703 minimum required is 660 <br> 3. Current employment of 21 years same employer <br> 4. Current primary/subject owned since xxxxxx |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 850143 | 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 |  |  |  |
| 850145 | xxxxxx | B A | Closed | xxxxxx | 2025-10-03 18:26 | 2025-10-03 18:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client Exception Granted with Compensating FactorsAudited CLTV of 75% exceeds Guideline CLTV of 70% Exception to allow LTV of 75%. As per guidelines the max allowed is 70% for cash out transactions using P&L only option. - Due Diligence Vendor-10/03/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited CLTV of 75% exceeds Guideline CLTV of 70% Exception to allow LTV of 75%. As per guidelines the max allowed is 70% for cash out transactions using P&L only option. - Due Diligence Vendor-10/03/2025<br>| <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.27 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 780 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 34.84% 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 - 13.67 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 - 13.67 Years | 1. Low DTI of 32.455%<br> 2. Post closing reserves are 24.04 months.<br> 3. FICO of 780 is 120 points higher than minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850145 | xxxxxx | B A | Closed | xxxxxx | 2025-10-03 18:26 | 2025-10-03 18:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 75% exceeds Guideline LTV of 70% Exception to allow LTV of 75%. As per guidelines the max allowed is 70% for cash out transactions using P&L only option. - Due Diligence Vendor-10/03/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited LTV of 75% exceeds Guideline LTV of 70% Exception to allow LTV of 75%. As per guidelines the max allowed is 70% for cash out transactions using P&L only option. - Due Diligence Vendor-10/03/2025<br>| <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.27 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 780 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 34.84% 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 - 13.67 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 - 13.67 Years | 1. Low DTI of 32.455%<br> 2. Post closing reserves are 24.04 months.<br> 3. FICO of 780 is 120 points higher than minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850145 | xxxxxx | B A | Closed | xxxxxx | 2025-10-03 18:26 | 2025-10-03 18:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client Exception Granted with Compensating FactorsAudited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception to allow LTV of 75%. As per guidelines the max allowed is 70% for cash out transactions using P&L only option. - Due Diligence Vendor-10/03/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception to allow LTV of 75%. As per guidelines the max allowed is 70% for cash out transactions using P&L only option. - Due Diligence Vendor-10/03/2025<br>| <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.27 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 780 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 34.84% 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 - 13.67 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 - 13.67 Years | 1.Low DTI of 32.455%<br> 2. Post closing reserves are 24.04 months.<br> 3. FICO of 780 is 120 points higher than minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850173 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850181 | 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 |  |  |  |
| 850249 | 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 |  |  |  |
| 850341 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 20:27 | 2025-09-23 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/23/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.19% 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 - 20.66 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 - 20.66 Years |  | INCOME CALCULATION WORKSHEET (14).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 |
| 850341 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 09:15 | 2025-09-22 09:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 8.41 are less than Guideline Required Reserves of 12 Lender exception for < 12 months reserves for > 85% LTV - Due Diligence Vendor-09/22/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 8.41 are less than Guideline Required Reserves of 12 Lender exception for < 12 months reserves for > 85% LTV - Due Diligence Vendor-09/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.19% 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 - 20.66 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 - 20.66 Years | DTI 5% below max<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 |
| 850343 | 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 |  |  |  |
| 850345 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 10:29 | 2025-10-07 08:35 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*\*Received COC - Due Diligence Vendor-10/07/2025 <br> Resolved- - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Counter-\*\*\*Lender credits decreased in LE issued xxxxxx. The original file does not contain a valid COC in relation to the decrease. - Due Diligence Vendor-10/06/2025 <br> Open- - Due Diligence Vendor-10/06/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($5,750.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,900.00). 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-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025<br>| Resolved-\*\*\*Received COC - Due Diligence Vendor-10/07/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | CIC_COC CHANGE OF CIRCUMSTANCE (19).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 |
| 850345 | xxxxxx | D A | Closed | xxxxxx | 2025-10-03 08:54 | 2025-10-06 10:34 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-\*\*\*Received. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-TRID: Missing Final Closing Disclosure Final CD in file dated xxxxxx is missing page 2 and does not satisfy Compliance Testing. Compliance Testing results are incomplete until complete disclosures are received.<br> - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-\*\*\*Received. - Due Diligence Vendor-10/06/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | 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 |
| 850345 | xxxxxx | D A | Closed | xxxxxx | 2025-10-03 03:43 | 2025-10-06 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. No HOA - SFR - Seller-10/03/2025 <br> Open- Missing HOA expense, if any, for xxxxxx (other information in file) - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. No HOA - SFR - Seller-10/03/2025<br>|  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | PropertyProfile - 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 |
| 850346 | 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 |  |  |  |
| 850347 | 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 |  |  |  |
| 850348 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-30 05:47 | 2025-10-06 08:02 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Is account satisfactory answered No, however Landlord comments states Never late 0X30X24. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-10/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.89 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 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 26.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Upd VOM.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 |
| 850348 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-30 06:01 | 2025-10-06 08:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-The Final 1003 is Incomplete VOR states $4000 a month, F1003 states $3000. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-10/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.89 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 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 26.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 1003 - FINAL (8).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 |
| 850349 | 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 |  |  |  |
| 850350 | xxxxxx | D A | Closed | xxxxxx | 2025-10-09 08:53 | 2025-10-14 13:15 | 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-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-1008/Underwriting Summary Partially Provided 1003 Qualifying income is different and 1008 qualifying income if different. Tape amount matching with final 1003. <br>Provide updated 1008<br>- Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/14/2025<br>| 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 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 30.83% 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 0.03 |  | transmittal_19_pdf (46).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 |
| 850350 | xxxxxx | D A | Closed | xxxxxx | 2025-10-09 09:24 | 2025-10-14 13:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Bank statements provided - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-Year 2025 Sep and July Missing Bank Statement A/c xxxxxx In file - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-Bank statements provided - Due Diligence Vendor-10/14/2025<br>| 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 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 30.83% 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 0.03 |  | xxxxxx.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 |
| 850352 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 13:59 | 2025-09-24 07:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent Free Letter for B2 provided - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. xxxxxx is the spouse and lives rent free per loe - Seller-09/23/2025 <br> Open-Missing Rent Free Letter covering B2 xxxxxx, Vor provided covers B1 To xxxxxx, a non borrower. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. xxxxxx is the spouse and lives rent free per loe - Seller-09/23/2025 | Resolved-Rent Free Letter for B2 provided - Due Diligence Vendor-09/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | CREDIT LETTER OF EXPLANATION.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 |
| 850352 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-23 12:36 | 2025-09-24 07:54 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. 1003 shows rent for 1260 - Seller-09/23/2025 <br> Open-The Final 1003 is Incomplete F1003 states B1&B2 have "No Primary House Expense however VOR in file shows them Renting same address since xxxxxx paying $1260.00 per mth. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. 1003 shows rent for 1260 - Seller-09/23/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-09/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | _1003_19_pdf (20).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 |
| 850354 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-22 10:37 | 2025-09-29 10:38 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/29/2025 <br>Resolved- - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Credit Report & Appraisal Re-inspection resulting in a 0% tolerance cure in the amount of $246.10. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $246.10 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/24/2025 <br>Open- - Due Diligence Vendor-09/24/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/29/2025<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 - 11.54 Years<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 - 11.54 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70.56% 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 - Validated Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | PCCD_xxxxxx.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 |
| 850354 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-22 10:37 | 2025-09-29 10:38 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/29/2025 <br> Resolved- - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/29/2025<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 - 11.54 Years<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 - 11.54 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70.56% 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 - Validated Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | PCCD_xxxxxx.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 |
| 850354 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-22 10:37 | 2025-09-29 10:38 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/29/2025 <br> Resolved- - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-\*\*\*\*\* The following charges have been either added or increased: Credit Report & Appraisal Re-inspection resulting in a 0% tolerance cure in the amount of $246.10. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $246.10 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. \*INCREASE DOES NOT RESULT IN HIGH COST LOAN - ONLY A TRID TOLERANCE CURE\* - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/29/2025<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 - 11.54 Years<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 - 11.54 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70.56% 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 - Validated Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | PCCD_xxxxxx.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 |
| 850354 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-22 10:37 | 2025-09-29 10:38 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/29/2025 <br> Resolved- - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Credit Report & Appraisal Re-inspection resulting in a 0% tolerance cure in the amount of $246.10. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $246.10 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. \*INCREASE DOES NOT RESULT IN HIGH COST LOAN - ONLY A TRID TOLERANCE CURE\* - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-09/29/2025<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 - 11.54 Years<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 - 11.54 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70.56% 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 - Validated Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | PCCD_xxxxxx.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 |
| 850354 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-22 07:20 | 2025-09-25 11:28 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/25/2025<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 - 11.54 Years<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 - 11.54 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70.56% 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 - Validated Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Validated | transmittal_19_pdf (32).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 |
| 850354 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-22 07:20 | 2025-09-23 16:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 2.24 are less than Guideline Required Reserves of 3 Lender exception for < 3 months reserves - Due Diligence Vendor-09/22/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 2.24 are less than Guideline Required Reserves of 3 Lender exception for < 3 months reserves - Due Diligence Vendor-09/22/2025<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 - 11.54 Years<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 - 11.54 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70.56% 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 - Validated Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO 20+ points<br> DTI 5% < max<br> 5+ years business ownership |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 850355 | xxxxxx | B A | Closed | xxxxxx | 2025-10-13 21:11 | 2025-10-28 16:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 6.09 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-10/28/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 6.09 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-10/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 26.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Property Equity - Subject property evidences $11,000 in additional equity not accounted for in qualifying LTV due to the difference between the purchase price and appraisal value. | -DTI 5% below max <br> - PITIA reserves above min by 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850357 | 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 |  |  |  |
| 850358 | xxxxxx | C A | Closed | xxxxxx | 2025-10-06 05:54 | 2025-10-09 11:41 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD disbursement date of xxxxxx - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Unknown if disbursement later, no PCCD in file - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-PCCD disbursement date of xxxxxx - Due Diligence Vendor-10/09/2025 | 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 680 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<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.06% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.28 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 0.05 |  | 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 |
| 850358 | xxxxxx | C A | Closed | xxxxxx | 2025-10-06 15:28 | 2025-10-09 11:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-10/09/2025 <br> Resolved- - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <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-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/06/2025 <br> Open- - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-10/09/2025<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 680 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<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.06% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.28 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 0.05 |  | 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 |
| 850359 | xxxxxx | B A | Closed | xxxxxx | 2025-10-03 13:02 | 2025-10-03 13:02 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Client Exception Granted with Compensating FactorsApproved exception with comp factors for 4 NSF/OD within last 12 mos, 2 in the most recent 3 mos which excessive guideline max allowed. - Due Diligence Vendor-10/03/2025 |  | Waived-Client Exception Granted with Compensating FactorsApproved exception with comp factors for 4 NSF/OD within last 12 mos, 2 in the most recent 3 mos which excessive guideline max allowed. - Due Diligence Vendor-10/03/2025 | <br> Property Equity - Subject property evidences $100,000 in additional equity not accounted for in qualifying LTV due to the difference between the purchase price and appraisal value.<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO 20+ points. 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 |
| 850360 | 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 |  |  |  |
| 850361 | xxxxxx | B A | Closed | xxxxxx | 2025-10-09 00:19 | 2025-10-10 10:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 3.85 are less than Guideline Required Reserves of 6 Lender exception for < 6 months reserves for FTHB - Due Diligence Vendor-10/10/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 3.85 are less than Guideline Required Reserves of 6 Lender exception for < 6 months reserves for FTHB - Due Diligence Vendor-10/10/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.42 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 - 10.41 Years | 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 |
| 850363 | 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 |  |  |  |
| 850364 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850366 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-01 08:32 | 2025-09-03 12:18 | 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-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Open-Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing - Due Diligence Vendor-09/01/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-09/03/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years |  | CREDIT REPORT (4).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 |
| 850366 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-01 09:10 | 2025-09-02 10:53 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client Exception Granted with Compensating FactorsLender exception to allow gift funds for non permanent resident alien. - Due Diligence Vendor-09/01/2025 |  | Waived-Client Exception Granted with Compensating FactorsLender exception to allow gift funds for non permanent resident alien. - Due Diligence Vendor-09/01/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years | FICO 20+ points.<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 |
| 850367 | xxxxxx | D A | Closed | xxxxxx | 2025-10-07 02:17 | 2025-10-08 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax Cert provided - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-Missing tax and hazard insurance for xxxxxx rental property. Mortgage statement only appears to show Flood insurance (google search shows estimated property taxes > $5299) - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025 | Resolved-Tax Cert provided - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<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 - 16.16 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 - 16.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.45 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 - 8 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx - EOI - xxxxxx Bank ISAOAATIMA.pdf<br> 1008 (4).pdf<br> 1008 (3).pdf<br> Tax xxxxxx (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850368 | xxxxxx | C A | Closed | xxxxxx | 2025-10-03 11:16 | 2025-10-09 12:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received lender's explanation. - Due Diligence Vendor-10/09/2025 <br> Resolved- - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,795.00.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). Missing COC for xxxxxx (Application Fee $1,795) - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-\*\*\*Received lender's explanation. - Due Diligence Vendor-10/09/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.83 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 38.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (25).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 |
| 850368 | xxxxxx | C A | Closed | xxxxxx | 2025-10-03 11:16 | 2025-10-09 12:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received lender's explanation. - Due Diligence Vendor-10/09/2025 <br> Resolved- - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Missing COC for xxxxxx (Application Fee $1,795) - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-\*\*\*Received lender's explanation. - Due Diligence Vendor-10/09/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.83 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 38.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (25).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 |
| 850368 | xxxxxx | C A | Closed | xxxxxx | 2025-10-03 11:16 | 2025-10-09 12:35 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received lender's explanation. - Due Diligence Vendor-10/09/2025 <br> Resolved- - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Missing COC for xxxxxx (Application Fee $1,795) - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-\*\*\*Received lender's explanation. - Due Diligence Vendor-10/09/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.83 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 38.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (25).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 |
| 850369 | xxxxxx | B A | Closed | xxxxxx | 2025-09-16 21:09 | 2025-09-16 21:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with Compensating FactorsApproved exception with comp factors for 6 mths reserves when guidelines require 12 mths for program. - Due Diligence Vendor-09/17/2025 |  | Waived-Client Exception Granted with Compensating FactorsApproved exception with comp factors for 6 mths reserves when guidelines require 12 mths for program. - Due Diligence Vendor-09/17/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | FICO 20+ points above guide min. DTI 5% below guide 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 |
| 850369 | xxxxxx | B A | Closed | xxxxxx | 2025-09-16 21:06 | 2025-09-16 21:06 | Waived | 2 - Non-Material B | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Waived-Client Exception Granted with Compensating FactorsApproved exception with comp factors for All Gift Funds vs required min of 5% Borrower's own funds to close. - Due Diligence Vendor-09/17/2025 |  | Waived-Client Exception Granted with Compensating FactorsApproved exception with comp factors for All Gift Funds vs required min of 5% Borrower's own funds to close. - Due Diligence Vendor-09/17/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | FICO 20+ points above guide min. DTI 5% below guide 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 |
| 850370 | 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 |  |  |  |
| 850371 | 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 |  |  |  |
| 850372 | 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 |  |  |  |
| 850373 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-10 14:05 | 2025-10-15 08:28 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-10/15/2025 <br> Resolved- - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Counter-A cure once disclosed is a binding credit for the purposes of determining good faith. A later reduction to tolerance based fees is not a valid change of circumstance for a reduction or removal of a disclosed cure credit. Cure in the amount of $252.98 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-\*\*\*\* The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $252.98. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $252.98 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/10/2025 <br> Open- - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025 <br>Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-10/15/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.15% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.91 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 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (31).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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850373 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-10 14:05 | 2025-10-15 08:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | <br> Resolved-\*\* Lender provided LOE of bona fide system error that caused the issue date of xxxxxx on the TRID disclosure actually issued xxxxxx - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/13/2025 <br> Counter-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 $616.00.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). • 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. Rate dependent charge changes subject to 0% tolerance total $616.00. - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Ready for Review- - Due Diligence Vendor-10/13/2025 <br> Resolved- - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $616. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $616 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/10/2025 <br> Open- - Due Diligence Vendor-10/10/2025 | The CD was sent xxxxxx, not xxxxxx. Reviewing the CD, it appears the disclosure desk did not update the document date to xxxxxx when they issued the ICD on xxxxxx. If you review the attached cerficate, it shows it was generated and sent xxxxxx - 10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/13/2025 | Resolved-\*\* Lender provided LOE of bona fide system error that caused the issue date of xxxxxx on the TRID disclosure actually issued xxxxxx - Due Diligence Vendor-10/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.15% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.91 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 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (32).pdf<br> xxxxxx Bona Fide System date error.odt | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850373 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-10 14:05 | 2025-10-15 08:28 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | <br> Resolved-\*\* Lender provided LOE of bona fide system error that caused the issue date of xxxxxx on the TRID disclosure actually issued xxxxxx - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/13/2025 <br> Counter-• 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. Rate dependent charge changes subject to 0% tolerance total $616.00. - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Ready for Review- - Due Diligence Vendor-10/13/2025 <br> Resolved- - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-\*\*\*\* Findings related to The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $616. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $616 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/10/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/10/2025 <br> Open- - Due Diligence Vendor-10/10/2025 | The CD was sent xxxxxx, not xxxxxx. Reviewing the CD, it appears the disclosure desk did not update the document date to xxxxxx when they issued the ICD on xxxxxx. If you review the attached cerficate, it shows it was generated and sent xxxxxx - 10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/13/2025 | Resolved-\*\* Lender provided LOE of bona fide system error that caused the issue date of xxxxxx on the TRID disclosure actually issued xxxxxx - Due Diligence Vendor-10/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.15% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.91 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 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (32).pdf<br> xxxxxx Bona Fide System date error.odt | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850373 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-10 14:05 | 2025-10-15 08:28 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | <br> Resolved-\*\* Lender provided LOE of bona fide system error that caused the issue date of xxxxxx on the TRID disclosure actually issued xxxxxx - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. The CD was sent xxxxxx, not xxxxxx. Reviewing the CD, it appears the disclosure desk did not update the document date to xxxxxx when they issued the ICD on xxxxxx. If you review the attached cerficate, it shows it was generated and sent xxxxxx - Due Diligence Vendor-10/13/2025 <br> Counter-• 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. Rate dependent charge changes subject to 0% tolerance total $616.00. - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Ready for Review- - Due Diligence Vendor-10/13/2025 <br> Resolved- - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-\*\*\*\* Findings related to The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $616. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $616 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/13/2025 <br> Open- - Due Diligence Vendor-10/10/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/10/2025 <br> Open- - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025 | Resolved-\*\* Lender provided LOE of bona fide system error that caused the issue date of xxxxxx on the TRID disclosure actually issued xxxxxx - Due Diligence Vendor-10/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.15% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.91 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 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (32).pdf<br> xxxxxx Bona Fide System date error.odt | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850373 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-10 14:18 | 2025-10-13 18:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\* Lender provided LOE of bona fide system error that caused the issue date of xxxxxx on the TRID disclosure actually issued xxxxxx - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. The CD was sent xxxxxx, not xxxxxx. Reviewing the CD, it appears the disclosure desk did not update the document date to xxxxxx when they issued the ICD on xxxxxx. If you review the attached cerficate, it shows it was generated and sent xxxxxx - Due Diligence Vendor-10/13/2025 <br> Counter-\*\*\*\*\*\*Documentation provided does not contain the Revised closing disclosure date on xxxxxx. (issued within 3 days of Lock) - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. ICD - Seller-10/13/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Revised closing disclosure date on xxxxxx. E-sign doc available in page no 184 \*\*\*\* A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked, has not been provided. ~~~~~~~~~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-10/13/2025 | Ready for Review-Document Uploaded. ICD - Seller-10/13/2025<br>| Resolved-\*\* Lender provided LOE of bona fide system error that caused the issue date of xxxxxx on the TRID disclosure actually issued xxxxxx - Due Diligence Vendor-10/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.15% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.91 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 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CD - INITIAL CLOSING DISCLOSURE (32).pdf<br> xxxxxx Bona Fide System date error.odt | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850373 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-10 09:57 | 2025-10-13 14:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.15% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.91 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 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 1008 - FINAL (89).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 |
| 850374 | xxxxxx | C A | Closed | xxxxxx | 2025-10-02 19:07 | 2025-10-08 15:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.81% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. These two xxxxxx debts were excluded from DTI. As of 9.12.25 print out – Balance was zero. Please see attached.<br>- Seller-10/08/2025 <br> Open-Audited DTI of 50.04% exceeds Guideline DTI of 50% Original approval submitted with DTI of 49.81%. Audited borrowers qualifying income is in the amount of $12,288.20 and total monthly expenses of $6,148.96. Final DTI is at 50.04% and is exceeding minimum lending guide requirement of 50%. <br> - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. These two xxxxxx debts were excluded from DTI. As of 9.12.25 print out – Balance was zero. Please see attached.<br>- Seller-10/08/2025 | Resolved-Audited DTI of 49.81% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.96 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 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<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 720 By Twenty (20) or More Points |  | xxxxxx xxxxxx.pdf<br> xxxxxx 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 |
| 850374 | xxxxxx | C A | Closed | xxxxxx | 2025-10-07 14:28 | 2025-10-08 15:28 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 2 Gap Credit Report is Expired. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025 | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.96 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 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<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 720 By Twenty (20) or More Points |  | LQI CREDIT REPORT (22).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 |
| 850375 | 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 |  |  |  |
| 850376 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850380 | xxxxxx | C A | Closed | xxxxxx | 2025-09-17 18:15 | 2025-09-22 08:08 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. - Seller-09/19/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,738.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*Lender credits in Section J decreased to $0 in revised CD issued xxxxxx. The original file does not contain a valid COC in relation to the decrease. - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (18).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 |
| 850381 | xxxxxx | B A | Closed | xxxxxx | 2025-09-26 03:31 | 2025-10-01 11:35 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/01/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.68% 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 - 5.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 1008 - FINAL (84).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 |
| 850382 | 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 |  |  |  |
| 850383 | 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 |  |  |  |
| 850384 | 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 |  |  |  |
| 850385 | xxxxxx | D A | Closed | xxxxxx | 2025-10-02 16:47 | 2025-10-08 12:34 | 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-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.47 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 41% 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 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 723 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | PCCD (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 |
| 850385 | xxxxxx | D A | Closed | xxxxxx | 2025-10-07 14:13 | 2025-10-08 11:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-12 month rent checks provided. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-Missing verification of rental history for past 12 months. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-12 month rent checks provided. - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.47 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 41% 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 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 723 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | VOR_VOM (3).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 |
| 850385 | xxxxxx | D A | Closed | xxxxxx | 2025-10-02 17:02 | 2025-10-08 11:49 | 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-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing (Current CBR report date 8/25/2025 - Note date xxxxxx. Per Gl 6.2 A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio.) - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.47 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 41% 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 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 723 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | LQI CREDIT REPORT (20).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 |
| 850386 | 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 |  |  |  |
| 850387 | xxxxxx | D A | Closed | xxxxxx | 2025-09-25 18:03 | 2025-09-30 10:43 | 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-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Open-Missing Third Party Fraud Report. Not Provided in The Package - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/30/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% 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 32.85% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 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 0.12<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.42 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 - 5.73 Years |  | DATAVERIFY DRIVE REPORT (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 |
| 850389 | 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 |  |  |  |
| 850390 | 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 |  |  |  |
| 850391 | xxxxxx | D A | Closed | xxxxxx | 2025-10-03 16:26 | 2025-10-08 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 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 0.25 |  | UPDATED HAZARD INSURANCE (12).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 |
| 850392 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-03 08:01 | 2025-10-09 12:27 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-FCD consummation date xxxxxx , disbursement date is xxxxxx. please provide PCCD with the disbursement date on or after the consummation date xxxxxx. - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-10/09/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 680 By Twenty (20) or More Points |  | 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 |
| 850392 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-03 08:01 | 2025-10-09 12:26 | Resolved | 1 - Information C A | Compliance | State Reg | xxxxxx Per Diem Interest Amount Test | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-This loan failed the per diem interest amount test. (xxxxxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($1,084.16) exceeds the per diem interest charge or credit threshold ($775.40).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. please provide pccd - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/08/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-10/09/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 680 By Twenty (20) or More Points |  | 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 |
| 850392 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-08 08:10 | 2025-10-08 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved- - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-Flood Certificate is Partially Provided Missing Flood cert - Due Diligence Vendor-10/08/2025 | Info taken from flood info in appraisal - 10/08/2025 <br>Ready for Review-Document Uploaded. - Seller-10/08/2025 |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>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 680 By Twenty (20) or More Points |  | FLOOD CERTIFICATION (16).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 |
| 850394 | xxxxxx | C A | Closed | xxxxxx | 2025-10-16 11:22 | 2025-10-17 06:50 | Resolved | 1 - Information C A | Compliance | State Reg | xxxxxx Per Diem Interest Amount Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-This loan failed the per diem interest amount test. (xxxxxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($2,274.47) exceeds the per diem interest charge or credit threshold ($2,040.18).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. \*\*Lender to provide confirmation of accurate funding/disbursement date and correct prepaid interest collected. - Due Diligence Vendor-10/16/2025 <br> Open- - Due Diligence Vendor-10/16/2025 <br> Open- - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.33% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 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 |
| 850396 | 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 |  |  |  |
| 850398 | 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 |  |  |  |
| 850399 | xxxxxx | B A | Closed | xxxxxx | 2025-09-25 12:03 | 2025-09-25 12:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 3.8 are less than Guideline Required Reserves of 6 Lender exception for < 6 months FTHB reserves - Due Diligence Vendor-09/25/2025 |  | Waived-Client Exception Granted with Compensating FactorsAudited Reserves of 3.8 are less than Guideline Required Reserves of 6 Lender exception for < 6 months FTHB reserves - Due Diligence Vendor-09/25/2025 | <br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Property Equity - Subject property evidences $10,000 in additional equity not accounted for in qualifying LTV due to the difference between the purchase price and appraisal value. | FICO 20+ points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850401 | xxxxxx | B A | Closed | xxxxxx | 2025-10-14 09:18 | 2025-10-16 11:33 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-1008/Underwriting Summary Not Provided Provide 1008/Underwriting Summary for the Subject Property. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/16/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.08% 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 - 5.28 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 - 10.17 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 |  | transmittal_19_pdf (47).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 |
| 850402 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850403 | xxxxxx | C A | Closed | xxxxxx | 2025-10-13 17:37 | 2025-10-17 13:55 | 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-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/17/2025 | 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>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 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 24.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 - 244 Years |  | LQI CREDIT REPORT (25).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 |
| 850403 | xxxxxx | C A | Closed | xxxxxx | 2025-10-14 02:28 | 2025-10-17 07:00 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-10/17/2025 <br> Open- - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,933.56.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). The following charges have been either added or increased: Loan Discount Fee resulting in a 0% tolerance cure in the amount of $1933.56. Please provide COC event details dated within 3 days of additional/increased charges. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-10/16/2025 <br> Open- - Due Diligence Vendor-10/16/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-10/17/2025 | 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>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 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 24.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 - 244 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (38).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 |
| 850403 | xxxxxx | C A | Closed | xxxxxx | 2025-10-14 02:28 | 2025-10-17 07:00 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-10/17/2025 <br> Open- - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open- - Due Diligence Vendor-10/16/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-10/17/2025 | 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>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 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 24.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 - 244 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (38).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 |
| 850403 | xxxxxx | C A | Closed | xxxxxx | 2025-10-14 02:28 | 2025-10-17 07:00 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-10/17/2025 <br> Open- - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open- - Due Diligence Vendor-10/16/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-10/17/2025 | 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>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 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 24.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 - 244 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (38).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 |
| 850405 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 15:00 | 2025-09-23 10:11 | 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-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/19/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-09/23/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.91% 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 727 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 10.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 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 |
| 850405 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 12:27 | 2025-09-22 12:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Asset do not meet guidelines | Waived-Client Exception Granted with Compensating FactorsException granted with supporting comp factors: use of gift for Non Perm (MUST HAVE 5% OF BOR OWN FUND) - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/22/2025 |  | Waived-Client Exception Granted with Compensating FactorsException granted with supporting comp factors: use of gift for Non Perm (MUST HAVE 5% OF BOR OWN FUND) - Due Diligence Vendor-09/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.91% 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 727 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 10.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | DTI 5% below max<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty<br> Months Reserves Are Greater Than The Guideline Minimum By Six |  | 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 |
| 850405 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 15:11 | 2025-09-22 12:25 | 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-09/22/2025 <br> Ready for Review-P &L - not required - Seller-09/18/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/18/2025 | Ready for Review-P &L - not required - Seller-09/18/2025 | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.91% 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 727 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 10.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850406 | xxxxxx | D A | Closed | xxxxxx | 2025-10-02 09:44 | 2025-10-08 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. 1007 and payment letter from new refinance - Seller-10/07/2025 <br> Open-Missing verification of lease agreement and mortgage, tax, insurance and HOA info for the property xxxxxx as seen on Final 1003. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. 1007 and payment letter from new refinance - Seller-10/07/2025 |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<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 - 6.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 707.17 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 9.77% 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 799 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | APPRAISAL REPORT (25).pdf<br> larch payment letter.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850407 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 22:11 | 2025-10-08 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-First payment letter (escrowed) provided. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-For the following property Mortgage statement missing<br> xxxxxx - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025 | Resolved-First payment letter (escrowed) provided. - Due Diligence Vendor-10/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.95% 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 30.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 407.9 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 - 6.42 Years |  | larch payment letter.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850407 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 22:09 | 2025-10-08 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-First payment letter (escrowed) provided. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-For the following properties Tax and insurances are missing <br> xxxxxx - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-First payment letter (escrowed) provided. - Due Diligence Vendor-10/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.95% 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 30.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 407.9 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 - 6.42 Years |  | clays payment.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850407 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 22:17 | 2025-10-08 15:02 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/08/2025<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<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.95% 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 30.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 407.9 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 - 6.42 Years |  | transmittal_19_pdf (40).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850407 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 21:27 | 2025-10-08 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. CPA letter was not necessary as we used a 50% expense ratio and good standing was evidenced. <br>Executed operating agreement reflecting ownership was a protected document and should have shipped. Please find attached - Seller-10/08/2025 <br> Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. CPA letter was not necessary as we used a 50% expense ratio and good standing was evidenced. <br>Executed operating agreement reflecting ownership was a protected document and should have shipped. Please find attached - Seller-10/08/2025 | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/08/2025<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<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.95% 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 30.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 407.9 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 - 6.42 Years |  | LLC DOCUMENT OR ENTITY DOCUMENT (12) (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850407 | xxxxxx | D A | Closed | xxxxxx | 2025-10-06 21:18 | 2025-10-08 15:01 | 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-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.95% 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 30.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 407.9 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 - 6.42 Years |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850408 | xxxxxx | D A | Closed | xxxxxx | 2025-10-02 09:37 | 2025-10-03 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 15.82 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Post CD - Seller-10/02/2025 <br> Open-Audited Reserves of 2.56 are less than Guideline Required Reserves of 3 - Per Final CD CTC is xxxxxx - verified assets $176,112.70 (including total gift funds of $85,620) reserves are short by -$2,503.57 - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. Post CD - Seller-10/02/2025 | Resolved-Audited Reserves of 15.82 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-10/03/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.82 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 - 24.21 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 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 0.2<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.21 Years |  | 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 |
| 850408 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 05:06 | 2025-10-03 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Counter-Missing Gift Letters for funds/Wire to escrow/Title company for $12,200 & $73,420 - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Counter-Document Uploaded. Gift Letter for $16,580.00 with supporting Donor Funds from xxxxxx xxxxxx provided however missing Gift Letters for funds/Wire to escrow/Title company for $12,200 & $73,420 - Final 1003 states Total amount of Cash funds from relative is $101,604.00 But the wires provided only total $85620.00 - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Open-Asset 3 Missing Gift Documents are missing in the file for $101,604 as seen on 1003, ($12,200 page 281 gift 09/15/2025, $73,420 page 284 09/11/2025 and unknown amount to total the $101,604 seen on 1003) - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.82 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 - 24.21 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 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 0.2<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.21 Years |  | GIFT LETTER WITH DONOR'S ABILITY (13).pdf<br> GIFT LETTER _ AHP-FHR GIFT LETTER (2).pdf<br> GIFT LETTER WITH DONOR'S ABILITY (12).pdf<br> Screenshot 2025-09-30 113406.jpg<br> _1003_19_pdf (21).pdf<br> transmittal_19_pdf (34).pdf<br> GIFT LETTER WITH DONOR'S ABILITY (15).pdf<br> GIFT LETTER WITH DONOR'S ABILITY (14).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 |
| 850412 | 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 |  |  |  |
| 850414 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-02 04:24 | 2025-10-08 11:04 | 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-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.49% 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 770 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | VOE - FINAL VERBAL (17).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 |
| 850414 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-02 05:38 | 2025-10-08 11:03 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-1008/Underwriting Summary Not Provided missing 1008. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.49% 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 770 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 1008 - FINAL (86).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 |
| 850414 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-02 13:45 | 2025-10-08 10:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received COC - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,100.00.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-10/02/2025 <br> Open- - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/02/2025 <br> Open- - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-\*\*\*Received COC - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.49% 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 770 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (20).pdf<br> CIC_COC CHANGE OF CIRCUMSTANCE (21).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 |
| 850414 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-02 13:45 | 2025-10-08 10:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received COC - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/02/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/02/2025 <br> Open- - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-\*\*\*Received COC - Due Diligence Vendor-10/08/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.49% 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 770 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (21).pdf<br> CIC_COC CHANGE OF CIRCUMSTANCE (20).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 |
| 850414 | xxxxxx | D A C | Closed | xxxxxx | 2025-10-02 13:45 | 2025-10-08 10:21 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received COC - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/02/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/02/2025 <br> Open- - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-\*\*\*Received COC - Due Diligence Vendor-10/08/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.49% 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 770 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (20).pdf<br> CIC_COC CHANGE OF CIRCUMSTANCE (21).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 |
| 850416 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 14:05 | 2025-09-29 10:51 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided disbursement date xxxxxx - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-Other Property Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Missing evidence of hazard insurance with newer effective date OR PCCD showing sufficient disbursement date. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-PCCD provided disbursement date xxxxxx - Due Diligence Vendor-09/29/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.65% 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 - 13.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 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 |
| 850416 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 02:35 | 2025-09-29 10:50 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided disbursement date xxxxxx - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Missing evidence of hazard insurance with newer effective date OR PCCD showing sufficient disbursement date. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-PCCD provided disbursement date xxxxxx - Due Diligence Vendor-09/29/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.65% 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 - 13.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 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 |
| 850416 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 15:13 | 2025-09-29 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Signed Final CD provided. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. CD for xxxxxx - Seller-09/26/2025 <br> Open-Borrower 1 recently obtained xxxxxx. Missing note or FCD showing PI payment for new loan. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. CD for xxxxxx - Seller-09/26/2025 | Resolved-Signed Final CD provided. - Due Diligence Vendor-09/29/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.65% 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 - 13.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 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 |
| 850531 | xxxxxx | D A | Closed | xxxxxx | 2025-10-16 04:13 | 2025-10-22 10:20 | 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-10/22/2025 <br> Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/16/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.03% 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 37.58 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 - 5.76 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 0.23 |  | 850531_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 |
| 850712 | xxxxxx | D A | Closed | xxxxxx | 2025-10-20 14:57 | 2025-10-27 07:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Assets) missing or unexecuted | Resolved-Gift Letter and proof of available funds provided - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Please see attached Gift Letter and xxxxxx statement. - Due Diligence Vendor-10/24/2025 <br> Open-Gift funds of $23795 (match what is on 1003) received in acct xxxxxx on xxxxxx per page 84 of bank statements. no gift letter in file per guidelines: Gifts must be evidenced by a letter signed by the donor, called a gift letter. The gift letter must:<br> • specify the dollar amount of the gift;<br> • include the donor's statement that no repayment is expected; and<br> • indicate the donor's name, address, telephone number, and relationship to the borrower.<br> When a gift from a relative or domestic partner is being pooled with the borrower's funds to make up the <br> required minimum cash down payment, the following items must also be included:<br> • A certification from the donor stating that he or she has lived with the borrower for the past 12-months and <br> will continue to do so in the new residence.<br> • Documents that demonstrate a history of borrower and donor shared residency. The donor's address must <br> be the same as the borrower's address. Examples include but are not limited to a copy of a driver's <br> license, a bill, or a bank statement - Due Diligence Vendor-10/20/2025 |  | Resolved-Gift Letter and proof of available funds provided - Due Diligence Vendor-10/27/2025 | 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 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 40.87% 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 12.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.53 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 0.21 |  | 850712_xxxxxx_Checking_xxxxxx_Savings_July_31_xxxxxx_Statement_-_xxxxxx.pdf<br> 850712_xxxxxx_Gift_Letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850712 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 06:11 | 2025-10-22 10:19 | 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-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached Gap Report. - Due Diligence Vendor-10/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/17/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/22/2025 | 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 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 40.87% 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 12.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.53 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 0.21 |  | 850712_xxxxxx_UDN__10_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 |
| 850732 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850751 | xxxxxx | 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 |  |  |  |
| 850782 | xxxxxx | D A | Closed | xxxxxx | 2025-10-14 08:49 | 2025-10-20 10:14 | 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-10/20/2025 <br> Ready for Review-Document Uploaded. See attached VOE - Due Diligence Vendor-10/17/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/14/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 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 25.92 Are Greater Than The Guideline Minimum Of 12 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>Low Credit Usage Ratio 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 - 15.00 Years |  | Full Review850782_xxxxxx_10_16_2025_xxxxxx_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 |
| 850782 | xxxxxx | D A | Closed | xxxxxx | 2025-10-14 08:23 | 2025-10-20 10:12 | 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-10/20/2025 <br> Ready for Review-Document Uploaded. Effective date on the HOI is xxxxxx - Due Diligence Vendor-10/17/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-10/14/2025 |  | 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-10/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 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 25.92 Are Greater Than The Guideline Minimum Of 12 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>Low Credit Usage Ratio 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 - 15.00 Years |  | Full Review850782_xxxxxx_10_16_2025_xxxxxx_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 |
| 850874 | xxxxxx | 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 |  |  |  |
| 850987 | xxxxxx | 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 |  |  |  |
| 851010 | xxxxxx | D A | Closed | xxxxxx | 2025-10-23 14:11 | 2025-10-27 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. PC CD HOA Fee removed. Property is a xxxxxx unit and there is no HOA. - Due Diligence Vendor-10/27/2025 <br> Open-missing hoa for xxxxxx per final CD pg 139. xxxxxx has HOA doc fee<br> - Due Diligence Vendor-10/23/2025 |  |  | 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review851010_xxxxxx_10_27_2025_xxxxxx_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 |
| 851388 | 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 |  |  |  |
| 851389 | 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 |  |  |  |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**Canopy RATING AGENCY GRADES**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 834323 | xxxxxx |  | xxxxxx A |
| 835730 | xxxxxx |  | xxxxxx D A B |
| 839842 | xxxxxx |  | xxxxxx C NA |
| 840388 | xxxxxx |  | xxxxxx A NA |
| 840793 | xxxxxx |  | xxxxxx D A |
| 841184 | xxxxxx |  | xxxxxx D A B |
| 841850 | xxxxxx |  | xxxxxx D A B |
| 842778 | xxxxxx |  | xxxxxx D A C |
| 842939 | xxxxxx |  | xxxxxx B A |
| 842982 | xxxxxx |  | xxxxxx B A |
| 843130 | xxxxxx |  | xxxxxx A |
| 843142 | xxxxxx |  | xxxxxx A |
| 843583 | xxxxxx |  | xxxxxx B A |
| 843614 | xxxxxx |  | xxxxxx D A |
| 843615 | xxxxxx |  | xxxxxx D A |
| 843756 | xxxxxx |  | xxxxxx A C |
| 843850 | xxxxxx |  | xxxxxx A |
| 843862 | xxxxxx |  | xxxxxx C A B |
| 843903 | xxxxxx |  | xxxxxx A |
| 843921 | xxxxxx |  | xxxxxx A |
| 843934 | xxxxxx |  | xxxxxx A |
| 843982 | xxxxxx |  | xxxxxx A |
| 843996 | xxxxxx |  | xxxxxx B A |
| 844049 | xxxxxx |  | xxxxxx A |
| 844151 | xxxxxx |  | xxxxxx B A |
| 844158 | xxxxxx |  | xxxxxx B A |
| 844163 | xxxxxx |  | xxxxxx B A |
| 844164 | xxxxxx |  | xxxxxx D C A |
| 844392 | xxxxxx |  | xxxxxx A |
| 844411 | xxxxxx |  | xxxxxx B A |
| 844417 | xxxxxx |  | xxxxxx A NA |
| 844721 | xxxxxx |  | xxxxxx A C |
| 844747 | xxxxxx |  | xxxxxx D A |
| 844748 | xxxxxx |  | xxxxxx D A C B |
| 844850 | xxxxxx |  | xxxxxx B A |
| 844865 | xxxxxx |  | xxxxxx A |
| 844902 | xxxxxx |  | xxxxxx A |
| 844949 | xxxxxx |  | xxxxxx B A |
| 844953 | xxxxxx |  | xxxxxx C A B |
| 844972 | xxxxxx |  | xxxxxx A |
| 845167 | xxxxxx |  | xxxxxx A |
| 845182 | xxxxxx |  | xxxxxx C D A |
| 845192 | xxxxxx |  | xxxxxx A |
| 845210 | xxxxxx |  | xxxxxx D A |
| 845474 | xxxxxx |  | xxxxxx A |
| 845524 | xxxxxx |  | xxxxxx A |
| 845533 | xxxxxx |  | xxxxxx A |
| 845707 | xxxxxx |  | xxxxxx D C A |
| 845776 | xxxxxx |  | xxxxxx A |
| 845846 | xxxxxx |  | xxxxxx C A B |
| 845888 | xxxxxx |  | xxxxxx C A B |
| 845892 | xxxxxx |  | xxxxxx A |
| 845893 | xxxxxx |  | xxxxxx A |
| 845897 | xxxxxx |  | xxxxxx B A |
| 845904 | xxxxxx |  | xxxxxx C A B |
| 845908 | xxxxxx |  | xxxxxx A |
| 845912 | xxxxxx |  | xxxxxx A |
| 845913 | xxxxxx |  | xxxxxx A |
| 845919 | xxxxxx |  | xxxxxx A |
| 845921 | xxxxxx |  | xxxxxx A |
| 845922 | xxxxxx |  | xxxxxx C A |
| 845926 | xxxxxx |  | xxxxxx C A B |
| 845927 | xxxxxx |  | xxxxxx A |
| 845932 | xxxxxx |  | xxxxxx B A |
| 845935 | xxxxxx |  | xxxxxx D A B |
| 845936 | xxxxxx |  | xxxxxx A |
| 845940 | xxxxxx |  | xxxxxx A |
| 845949 | xxxxxx |  | xxxxxx B A |
| 846011 | xxxxxx |  | xxxxxx A |
| 846105 | xxxxxx |  | xxxxxx A D |
| 846176 | xxxxxx |  | xxxxxx A |
| 846267 | xxxxxx |  | xxxxxx B A |
| 846372 | xxxxxx |  | xxxxxx A |
| 846395 | xxxxxx |  | xxxxxx A |
| 846514 | xxxxxx |  | xxxxxx A |
| 846521 | xxxxxx |  | xxxxxx A |
| 846535 | xxxxxx |  | xxxxxx A B |
| 846537 | xxxxxx |  | xxxxxx A |
| 846544 | xxxxxx |  | xxxxxx A |
| 846558 | xxxxxx |  | xxxxxx D A |
| 846703 | xxxxxx |  | xxxxxx B A |
| 846711 | xxxxxx |  | xxxxxx A C |
| 846958 | xxxxxx |  | xxxxxx A |
| 846978 | xxxxxx |  | xxxxxx D A |
| 846991 | xxxxxx |  | xxxxxx D A |
| 847100 | xxxxxx |  | xxxxxx A B |
| 847133 | xxxxxx |  | xxxxxx A |
| 847142 | xxxxxx |  | xxxxxx A NA |
| 847202 | xxxxxx |  | xxxxxx A |
| 847409 | xxxxxx |  | xxxxxx A |
| 847434 | xxxxxx |  | xxxxxx A |
| 847435 | xxxxxx |  | xxxxxx C A D B |
| 847485 | xxxxxx |  | xxxxxx A |
| 847524 | xxxxxx |  | xxxxxx D A |
| 847529 | xxxxxx |  | xxxxxx D A |
| 847537 | xxxxxx |  | xxxxxx A |
| 847607 | xxxxxx |  | xxxxxx A |
| 847615 | xxxxxx |  | xxxxxx A |
| 847618 | xxxxxx |  | xxxxxx A |
| 847670 | xxxxxx |  | xxxxxx D A |
| 847763 | xxxxxx |  | xxxxxx A |
| 847765 | xxxxxx |  | xxxxxx A NA |
| 847839 | xxxxxx |  | xxxxxx D A B |
| 847848 | xxxxxx |  | xxxxxx A C B |
| 847860 | xxxxxx |  | xxxxxx A |
| 847874 | xxxxxx |  | xxxxxx A |
| 847942 | xxxxxx |  | xxxxxx A NA |
| 848011 | xxxxxx |  | xxxxxx D A B |
| 848106 | xxxxxx |  | xxxxxx A |
| 848165 | xxxxxx |  | xxxxxx A |
| 848310 | xxxxxx |  | xxxxxx B A |
| 848311 | xxxxxx |  | xxxxxx D A B |
| 848313 | xxxxxx |  | xxxxxx C A D B |
| 848314 | xxxxxx |  | xxxxxx B A C |
| 848316 | xxxxxx |  | xxxxxx B A |
| 848317 | xxxxxx |  | xxxxxx D A |
| 848355 | xxxxxx |  | xxxxxx A |
| 848380 | xxxxxx | xxxxxx | xxxxxx A |
| 848382 | xxxxxx | xxxxxx | xxxxxx A |
| 848402 | xxxxxx |  | xxxxxx D A |
| 848426 | xxxxxx |  | xxxxxx C A |
| 848460 | xxxxxx |  | xxxxxx A |
| 848462 | xxxxxx |  | xxxxxx A |
| 848463 | xxxxxx | xxxxxx | xxxxxx A |
| 848470 | xxxxxx | xxxxxx | xxxxxx C A |
| 848471 | xxxxxx | xxxxxx | xxxxxx A |
| 848478 | xxxxxx |  | xxxxxx A |
| 848623 | xxxxxx |  | xxxxxx D A |
| 848625 | xxxxxx |  | xxxxxx A D |
| 848629 | xxxxxx | xxxxxx | xxxxxx C A B |
| 848674 | xxxxxx |  | xxxxxx A |
| 848718 | xxxxxx |  | xxxxxx A |
| 848724 | xxxxxx |  | xxxxxx D A |
| 848741 | xxxxxx |  | xxxxxx A NA |
| 848762 | xxxxxx |  | xxxxxx A |
| 848777 | xxxxxx |  | xxxxxx A |
| 848859 | xxxxxx |  | xxxxxx A D |
| 848922 | xxxxxx |  | xxxxxx A |
| 849019 | xxxxxx |  | xxxxxx A |
| 849099 | xxxxxx |  | xxxxxx A |
| 849108 | xxxxxx |  | xxxxxx A |
| 849177 | xxxxxx |  | xxxxxx A |
| 849253 | xxxxxx |  | xxxxxx C A |
| 849285 | xxxxxx |  | xxxxxx D A |
| 849309 | xxxxxx |  | xxxxxx A |
| 849337 | xxxxxx |  | xxxxxx A |
| 849339 | xxxxxx |  | xxxxxx A |
| 849395 | xxxxxx |  | xxxxxx C A B |
| 849403 | xxxxxx |  | xxxxxx D A |
| 849640 | xxxxxx |  | xxxxxx C A |
| 849685 | xxxxxx |  | xxxxxx A D |
| 849915 | xxxxxx |  | xxxxxx A |
| 849979 | xxxxxx | xxxxxx | xxxxxx A |
| 850138 | xxxxxx |  | xxxxxx A |
| 850139 | xxxxxx |  | xxxxxx B A |
| 850141 | xxxxxx |  | xxxxxx B A |
| 850143 | xxxxxx |  | xxxxxx A |
| 850145 | xxxxxx |  | xxxxxx B A |
| 850173 | xxxxxx |  | xxxxxx A |
| 850181 | xxxxxx |  | xxxxxx A |
| 850249 | xxxxxx |  | xxxxxx A |
| 850341 | xxxxxx |  | xxxxxx D A B |
| 850343 | xxxxxx |  | xxxxxx A |
| 850345 | xxxxxx |  | xxxxxx D A |
| 850346 | xxxxxx |  | xxxxxx A |
| 850347 | xxxxxx |  | xxxxxx A |
| 850348 | xxxxxx |  | xxxxxx C D A |
| 850349 | xxxxxx |  | xxxxxx A |
| 850350 | xxxxxx |  | xxxxxx D A |
| 850352 | xxxxxx |  | xxxxxx C D A |
| 850354 | xxxxxx |  | xxxxxx B C A |
| 850355 | xxxxxx |  | xxxxxx B A |
| 850357 | xxxxxx |  | xxxxxx A |
| 850358 | xxxxxx |  | xxxxxx C A |
| 850359 | xxxxxx |  | xxxxxx B A |
| 850360 | xxxxxx |  | xxxxxx A |
| 850361 | xxxxxx |  | xxxxxx B A |
| 850363 | xxxxxx |  | xxxxxx A |
| 850364 | xxxxxx |  | xxxxxx A |
| 850366 | xxxxxx |  | xxxxxx D A B |
| 850367 | xxxxxx |  | xxxxxx D A |
| 850368 | xxxxxx |  | xxxxxx A C |
| 850369 | xxxxxx |  | xxxxxx B A |
| 850370 | xxxxxx |  | xxxxxx A |
| 850371 | xxxxxx |  | xxxxxx A |
| 850372 | xxxxxx |  | xxxxxx A |
| 850373 | xxxxxx |  | xxxxxx B C A |
| 850374 | xxxxxx |  | xxxxxx C A |
| 850375 | xxxxxx |  | xxxxxx A |
| 850376 | xxxxxx |  | xxxxxx A |
| 850380 | xxxxxx |  | xxxxxx A C |
| 850381 | xxxxxx |  | xxxxxx B A |
| 850382 | xxxxxx |  | xxxxxx A |
| 850383 | xxxxxx |  | xxxxxx A |
| 850384 | xxxxxx |  | xxxxxx A |
| 850385 | xxxxxx |  | xxxxxx D A |
| 850386 | xxxxxx |  | xxxxxx A |
| 850387 | xxxxxx |  | xxxxxx D A |
| 850389 | xxxxxx |  | xxxxxx A |
| 850390 | xxxxxx |  | xxxxxx A |
| 850391 | xxxxxx |  | xxxxxx D A |
| 850392 | xxxxxx |  | xxxxxx D C A |
| 850394 | xxxxxx |  | xxxxxx A C |
| 850396 | xxxxxx |  | xxxxxx A |
| 850398 | xxxxxx |  | xxxxxx A |
| 850399 | xxxxxx |  | xxxxxx B A |
| 850401 | xxxxxx |  | xxxxxx B A |
| 850402 | xxxxxx |  | xxxxxx A |
| 850403 | xxxxxx |  | xxxxxx C A |
| 850405 | xxxxxx |  | xxxxxx D A B |
| 850406 | xxxxxx |  | xxxxxx D A |
| 850407 | xxxxxx |  | xxxxxx D A |
| 850408 | xxxxxx |  | xxxxxx D A |
| 850412 | xxxxxx |  | xxxxxx A |
| 850414 | xxxxxx |  | xxxxxx D C A |
| 850416 | xxxxxx |  | xxxxxx D A |
| 850531 | xxxxxx |  | xxxxxx D A |
| 850712 | xxxxxx |  | xxxxxx D A |
| 850732 | xxxxxx |  | xxxxxx A |
| 850751 | xxxxxx | xxxxxx | xxxxxx A |
| 850782 | xxxxxx |  | xxxxxx D A |
| 850874 | xxxxxx | xxxxxx | xxxxxx A |
| 850987 | xxxxxx | xxxxxx | xxxxxx A |
| 851010 | xxxxxx |  | xxxxxx D A |
| 851388 | xxxxxx |  | xxxxxx A NA |
| 851389 | xxxxxx |  | xxxxxx A NA |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**Canopy DATA COMPARE**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 834323 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 839842 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 840388 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 840388 | xxxxxx |  | Qualifying CLTV | 43.89 | 36.93505 |
| 840388 | xxxxxx |  | Qualifying LTV | 21.82 | 18.36154 |
| 840793 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 840793 | xxxxxx |  | Qualifying CLTV | 70 | 65.85106 |
| 840793 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 840793 | xxxxxx |  | Qualifying LTV | 70 | 65.85106 |
| 841850 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 842778 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 842778 | xxxxxx |  | Qualifying FICO | 751 | 691 |
| 842982 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 12 |
| 843142 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 843583 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 843850 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 843850 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 843903 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 843903 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 843934 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 843934 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 843982 | xxxxxx |  | Qualifying FICO | 740 | 714 |
| 843996 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 843996 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 844151 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 844151 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 844158 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 844163 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 844392 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 844850 | xxxxxx |  | Property Type | Single Family Attached | Single Family Detached |
| 844949 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 844953 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 844972 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845182 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845192 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845210 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 845210 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845533 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 845888 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 845892 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845897 | xxxxxx |  | Property Type | Mixed Use | Units |
| 845912 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 845913 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 845926 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Units |
| 845927 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 846176 | xxxxxx |  | Property Type | Condominium | Single Family Detached |
| 846267 | xxxxxx |  | Margin | 6.5 | 2 |
| 846267 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846514 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846535 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846535 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846535 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 846544 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846544 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846703 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 846711 | xxxxxx |  | Qualifying FICO | 788 | 786 |
| 846958 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846978 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846978 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846978 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.26 | 23.91 |
| 846991 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 847100 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 847100 | xxxxxx |  | Property Address | xxxxxx | xxxxxx |
| 847100 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847100 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 847133 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 847142 | xxxxxx |  | Originator Doc Type | 1YR 1099 Only | Second |
| 847434 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 847435 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 847485 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 847485 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 847529 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.47 | 35.7 |
| 847670 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 847765 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 847839 | xxxxxx |  | Margin | 5 | 2.000 |
| 847848 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 848011 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 848106 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 848313 | xxxxxx |  | Qualifying CLTV | 65 | 55.224 |
| 848314 | xxxxxx |  | Escrow Flag | Yes | No |
| 848317 | xxxxxx |  | Primary Mortgage or Rent Times 30 | 1 | 4 |
| 848402 | xxxxxx |  | Amortization Term | 360 | 240 |
| 848402 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848402 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 848426 | xxxxxx |  | Qualifying Total Debt Income Ratio | 34.44 | 15.41 |
| 848460 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 848674 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 848724 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848724 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 848741 | xxxxxx |  | Originator Doc Type | 2YR Full Doc | Second |
| 848762 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 848777 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849108 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 849108 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 849108 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.74 | 45 |
| 849285 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849309 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850249 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 850712 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 850751 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | 26.08 | 23.02 |
| 850782 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851010 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851388 | xxxxxx |  | Qualifying Total Debt Income Ratio | 20.1 | 8.5 |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**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?** |
| 834323 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 835730 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 839842 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6877.44 | 9.15 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 170748.96 | N/A | Employed |  | No |  | No |  |
| 840388 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 7370 | 8.895 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5180.26 | N/A | Employed |  | No |  | No |  |
| 840793 |  | 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 |
| 841184 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6417.75 | 7.459 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13223.59 | Yes | Employed |  | No |  | No |  |
| 841850 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842778 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 842939 |  | 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 |
| 842982 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843130 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 843142 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 843583 |  | 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 |
| 843614 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843615 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843756 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11645 | 7.213 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 35691.24 | N/A | Employed | Employed | No | No | No |  |
| 843850 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 843862 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843903 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843921 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | 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 |
| 843934 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 1845 | 7.916 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14428.25 | N/A | Employed |  | No |  | No |  |
| 843982 |  | 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 |
| 843996 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844049 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -1260 |  |  |  | No |  | Yes | Present |
| 844151 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 844158 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844163 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844164 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | Yes | No | No | No | Yes | 40542.14 | 9.353 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26377.93 | N/A | Employed |  | No |  | No |  |
| 844392 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 844411 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844417 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 6896.16 | 9.468 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4704.36 | N/A | Employed |  | No |  | No |  |
| 844721 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 8.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21663.79 | N/A | Not Employed | Not Employed | No | No | No |  |
| 844747 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.858 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11444.8 | N/A | Employed |  | No |  | No |  |
| 844748 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.515 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 54688.55 | N/A | Employed | Employed | No | No | No |  |
| 844850 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844865 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844902 |  | 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 |
| 844949 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 844953 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844972 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 845167 |  | 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 |
| 845182 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845192 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845210 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845474 |  | 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 |
| 845524 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | 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 |
| 845533 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845707 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5195.63 | 7.545 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7818.13 | N/A | Employed |  | No |  | No |  |
| 845776 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 845846 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845888 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | 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 |
| 845892 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845893 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845897 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845904 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845908 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | 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 |
| 845912 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845913 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845919 |  | 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 |
| 845921 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845922 |  | 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 |
| 845926 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | 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 |
| 845927 |  | 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 |
| 845932 |  | 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 |
| 845935 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845936 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | 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 |
| 845940 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845949 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846011 |  | 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 |
| 846105 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 14770.6 | 7.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2927.14 | N/A | Employed |  | No |  | No |  |
| 846176 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846267 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 846372 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 846395 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 29490 | 7.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19982.99 | N/A | Employed |  | No |  | No |  |
| 846514 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 846521 |  | 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 |
| 846535 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7835.25 | 9.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 64639.25 | N/A | Employed |  | No |  | No |  |
| 846537 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | 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 |
| 846544 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 846558 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846703 |  | 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 |
| 846711 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6928.74 | 7.879 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 47415.04 | N/A | Employed | Not Employed | No | No | No |  |
| 846958 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | 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 |
| 846978 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 21493 | 7.516 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24684.99 | Yes | Employed |  | No |  | No |  |
| 846991 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 21357.5 | 7.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48900.86 | Yes | Employed |  | No |  | No |  |
| 847100 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2225 | 7.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15506.16 | Yes | Employed |  | No |  | No |  |
| 847133 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 10078.32 | 9.732 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7787.38 | Yes | Employed |  | No |  | No |  |
| 847142 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 9.565 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 17184.35 | N/A | Not Employed |  | No |  | No |  |
| 847202 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847409 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 38795 | 6.895 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11662.28 | Yes | Employed |  | No |  | No |  |
| 847434 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847435 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847485 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3508.2 | 7.375 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6162.31 | Yes | Employed |  | No |  | No |  |
| 847524 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 18286.88 | 7.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16371.6 | Yes | Employed | Employed | No | No | No |  |
| 847529 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7751.62 | Yes | Employed | Employed | No | No | Yes | Present |
| 847537 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8515 | 7.138 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4352.18 | Yes | Employed |  | No |  | No |  |
| 847607 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847615 |  | 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 |
| 847618 |  | 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 |
| 847670 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 15799.85 | 8.392 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26257.98 | Yes | Employed |  | No |  | No |  |
| 847763 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 13410 | 7.648 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17695.33 | Yes | Employed |  | No |  | No |  |
| 847765 |  | 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 | 35322.33 | N/A | Employed |  | No |  | Yes | Present |
| 847839 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 14660 | 8.213 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19048.22 | Yes | Employed |  | No |  | No |  |
| 847848 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9845 | 7.418 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7955.36 | Yes | Employed |  | No |  | No |  |
| 847860 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1695 | 6.895 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19476.59 | N/A | Employed | Employed | No | No | No |  |
| 847874 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2548.13 | 7.201 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43017.51 | Yes | Employed |  | No |  | No |  |
| 847942 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 6935 | 9.801 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 11273.01 | N/A | Employed |  | No |  | No |  |
| 848011 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10963.25 | 7.739 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35232.35 | Yes | Employed |  | No |  | No |  |
| 848106 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7155 | 7.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6613.98 | Yes | Employed |  | No |  | No |  |
| 848165 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3524.47 | 7.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6309.65 | N/A | Employed |  | No |  | No |  |
| 848310 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 21732.5 | 7.204 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34318.29 | N/A | Employed |  | No |  | No |  |
| 848311 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11865 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29104.71 | N/A | Employed |  | No |  | No |  |
| 848313 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 66990 | 8.173 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 111789.27 | Yes | Employed |  | No |  | No |  |
| 848314 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 13350 | 7.496 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7892.67 | N/A | Employed |  | No |  | No |  |
| 848316 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 10600 | 9.667 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4192.81 | Yes | Employed | Not Employed | No | No | No |  |
| 848317 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 8400 | 8.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3557.4 | Yes | Employed | Employed | No | No | No |  |
| 848355 |  | 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 | 21950.75 | N/A | Employed |  | No |  | Yes | Present |
| 848380 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | 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 |
| 848382 | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848402 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 21493.58 | 7.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 133439.08 | N/A | Employed |  | No |  | No |  |
| 848426 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12796.59 | N/A | Employed |  | No |  | Yes | Present |
| 848460 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1890 | 6.928 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14527.88 | Yes | Employed |  | No |  | No |  |
| 848462 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 23397.5 | 7.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 165838.69 | N/A | Employed |  | No |  | No |  |
| 848463 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8345 | 6.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 242468.38 | N/A | Employed | Employed | No | No | No |  |
| 848470 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 49250 | 7.114 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 160950.93 | N/A | Employed |  | No |  | No |  |
| 848471 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 6.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7043.16 | Yes | Employed |  | No |  | No |  |
| 848478 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3093.47 | 7.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8231.29 | N/A | Employed |  | No |  | No |  |
| 848623 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8757.8 | 7.173 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15791.95 | N/A | Employed |  | No |  | No |  |
| 848625 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10195 | 7.104 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21326.96 | N/A | Employed |  | No |  | No |  |
| 848629 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 28775 | 8.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28935.7 | N/A | Employed |  | No |  | No |  |
| 848674 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2184 | 7.435 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8672.42 | N/A | Employed |  | No |  | No |  |
| 848718 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7549.08 | 8.731 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21372.73 | N/A | Employed |  | No |  | No |  |
| 848724 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 16029.07 | 7.746 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7554.01 | N/A | Employed |  | No |  | No |  |
| 848741 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 3893.04 | 10.849 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10895.89 | N/A | Employed | Employed | No | No | No |  |
| 848762 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6495 | 7.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8948.01 | Yes | Employed |  | No |  | No |  |
| 848777 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8968 | 7.396 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14197.21 | Yes | Employed |  | No |  | No |  |
| 848859 |  | 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 | 6627.57 | N/A | Retired |  | No |  | Yes | Present |
| 848922 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 17459.5 | 7.204 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34346.88 | Yes | Employed |  | No |  | No |  |
| 849019 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3543.3 | 7.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3029.89 | Yes | Employed |  | No |  | No |  |
| 849099 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 6.786 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7359.52 | Yes | Employed |  | No |  | No |  |
| 849108 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 19723.27 | 8.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17739.37 | Yes | Employed | Not Employed | No | No | No |  |
| 849177 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 21690 | 7.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 58746.2 | N/A | Employed |  | No |  | No |  |
| 849253 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8565 | 6.746 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 36618.42 | N/A | Not Employed |  | No |  | No |  |
| 849285 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10295 | 7.381 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26216.28 | Yes | Employed |  | No |  | No |  |
| 849309 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 17875 | 8.235 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7408.41 | Yes | Employed | Not Employed | No | No | No |  |
| 849337 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 0 | 8.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23638.36 | Yes | Employed |  | No |  | No |  |
| 849339 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 8314.4 | 7.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6894.28 | N/A | Employed | Unknown | No | No | No |  |
| 849395 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 26495 | 6.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 44763.62 | N/A | Employed | Not Employed | No | No | No |  |
| 849403 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 9715 | 8.325 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2831.81 | N/A | Employed |  | No |  | No |  |
| 849640 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 17895 | 7.402 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21411.63 | Yes | Employed |  | No |  | No |  |
| 849685 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 149664.44 | N/A | Employed |  | No |  | Yes | Present |
| 849915 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11271.22 | 7.626 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10644.24 | Yes | Employed | Not Employed | No | No | No |  |
| 849979 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 7.02 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20193.04 | N/A | Employed |  | No |  | No |  |
| 850138 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 22240 | 7.357 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14972.1 | N/A | Retired |  | No |  | No |  |
| 850139 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 10065 | 8.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10157.52 | Yes | Employed |  | No |  | No |  |
| 850141 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 14415 | 7.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5553.33 | Yes | Employed |  | No |  | No |  |
| 850143 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 7937.5 | 8.459 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5031.81 | N/A | Employed |  | No |  | No |  |
| 850145 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14985.71 | N/A | Employed |  | No |  | Yes | Present |
| 850173 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24934.51 | N/A | Not Employed |  | No |  | Yes | Present |
| 850181 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4710.38 | 7.459 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6109.61 | Yes | Employed |  | No |  | No |  |
| 850249 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 6290 | 8.083 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17555.03 | Yes | Employed |  | No |  | No |  |
| 850341 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 6317.49 | 8.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4813.78 | Yes | Employed |  | No |  | No |  |
| 850343 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 21000 | 6.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16314.46 | N/A | Employed | Unknown | No | No | No |  |
| 850345 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 20195 | 7.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27565.3 | N/A | Employed |  | No |  | No |  |
| 850346 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 17920 | 6.795 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1437411.49 | Yes | Employed |  | No |  | No |  |
| 850347 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8995 | 6.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10523.4 | N/A | Employed |  | No |  | No |  |
| 850348 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 27445 | 8.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31352.28 | N/A | Employed |  | No |  | No |  |
| 850349 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7165 | 6.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6029.44 | Yes | Employed |  | No |  | No |  |
| 850350 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 11241 | 7.832 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15736.18 | N/A | Employed |  | No |  | No |  |
| 850352 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8532.5 | 6.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4858.78 | N/A | Employed | Employed | No | No | No |  |
| 850354 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 13826.25 | 6.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40110.74 | Yes | Employed |  | No |  | No |  |
| 850355 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7477.5 | 8.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6680.5 | Yes | Employed |  | No |  | No |  |
| 850357 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11920 | 7.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12540.73 | Yes | Employed |  | No |  | No |  |
| 850358 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 14895.8 | 7.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 107854.72 | Yes | Employed |  | No |  | No |  |
| 850359 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 19345 | 8.916 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 91895.4 | Yes | Employed |  | No |  | No |  |
| 850360 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 16000 | 6.8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10692.43 | Yes | Employed |  | No |  | No |  |
| 850361 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 9443.08 | 7.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4580.63 | N/A | Employed |  | No |  | No |  |
| 850363 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6822.52 | 6.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2388.95 | Yes | Employed |  | No |  | No |  |
| 850364 |  | 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 | Yes | Yes | 6144.77 | N/A | Employed |  | No |  | Yes | Present |
| 850366 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 33295 | 7.548 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24009.43 | Yes | Employed |  | No |  | No |  |
| 850367 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 96618.13 | Yes | Employed |  | No |  | Yes | Present |
| 850368 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 7795 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4606.71 | Yes | Employed |  | No |  | No |  |
| 850369 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 9591.25 | 8.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10124.67 | N/A | Employed |  | No |  | No |  |
| 850370 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 26615 | 7.129 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10767.68 | N/A | Employed |  | No |  | No |  |
| 850371 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5357.5 | 6.472 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11020.03 | Yes | Employed |  | No |  | No |  |
| 850372 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 15389.01 | 7.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14272.39 | Yes | Employed |  | No |  | No |  |
| 850373 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 7451 | 7.365 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4014.59 | N/A | Employed |  | No |  | No |  |
| 850374 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5607 | 6.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6167.24 | Yes | Employed | Not Employed | No | No | No |  |
| 850375 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 11769.92 | 7.821 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3480.9 | Yes | Employed |  | No |  | No |  |
| 850376 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | 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 | 59602.37 | N/A | Employed |  | No |  | Yes | Present |
| 850380 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10975 | 8.511 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54948.01 | Yes | Employed |  | No |  | No |  |
| 850381 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10345 | 6.646 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14494.97 | N/A | Employed |  | No |  | No |  |
| 850382 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 10953.99 | 6.847 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14368.44 | Yes | Employed | Employed | No | No | No |  |
| 850383 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11515 | 6.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12220.61 | Yes | Employed | Employed | No | No | No |  |
| 850384 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1795 | 7.232 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21436.04 | Yes | Employed |  | No |  | No |  |
| 850385 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 17285 | 6.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11234.66 | N/A | Employed |  | No |  | No |  |
| 850386 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7975 | 7.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9379.01 | N/A | Employed |  | No |  | No |  |
| 850387 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8900 | 6.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6384.53 | Yes | Employed |  | No |  | No |  |
| 850389 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9832.44 | 6.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11440.36 | N/A | Employed |  | No |  | No |  |
| 850390 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 15648.13 | 7.143 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12268.01 | N/A | Employed |  | No |  | No |  |
| 850391 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5847.24 | 6.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3036.35 | Yes | Employed |  | No |  | No |  |
| 850392 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9905 | 7.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9251.54 | N/A | Employed | Employed | No | No | No |  |
| 850394 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 12655 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11071.38 | N/A | Employed |  | No |  | No |  |
| 850396 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 9994.78 | 8.448 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7546.89 | N/A | Employed |  | No |  | No |  |
| 850398 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 22495 | 8.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17513.78 | N/A | Employed |  | No |  | No |  |
| 850399 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 6915 | 8.331 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6826.34 | N/A | Employed |  | No |  | No |  |
| 850401 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 23451.26 | 9.295 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19837.67 | Yes | Employed |  | No |  | No |  |
| 850402 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16276.74 | N/A | Employed |  | No |  | Yes | Present |
| 850403 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7629.19 | 6.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8005.71 | N/A | Employed |  | No |  | No |  |
| 850405 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8165 | 7.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5914.12 | N/A | Employed |  | No |  | No |  |
| 850406 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 76043.51 | N/A | Employed |  | No |  | Yes | Present |
| 850407 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 58288.81 | Yes | Employed |  | No |  | Yes | Present |
| 850408 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 15059 | 7.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8067.1 | N/A | Employed | Not Employed | No | No | No |  |
| 850412 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 11695 | 6.58 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16957.96 | N/A | Employed | Employed | No | No | No |  |
| 850414 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 22255 | 7.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16834.23 | N/A | Employed |  | No |  | No |  |
| 850416 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9287.5 | 6.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43829.83 | Yes | Employed | Employed | No | No | No |  |
| 850531 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 18545 | 7.446 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8296.68 | Yes | Employed |  | No |  | No |  |
| 850712 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11130 | 7.329 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7108.31 | Yes | Employed |  | No |  | No |  |
| 850732 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 39519.77 | N/A | Employed | Employed | No | No | Yes | Present |
| 850751 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8627.5 | 7.198 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30408.15 | N/A | Not Employed | Employed | No | No | No |  |
| 850782 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 18450 | 8.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21292.21 | Yes | Employed |  | No |  | No |  |
| 850874 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.783 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21247.46 | N/A | Employed |  | No |  | No |  |
| 850987 | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10160 | 7.401 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7377.48 | Yes | Employed |  | No |  | No |  |
| 851010 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 15255 | 7.363 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21430.76 | Yes | Employed |  | No |  | No |  |
| 851388 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4895 | 8.609 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19974.32 | Yes | Employed |  | No |  | No |  |
| 851389 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11145 | 8.057 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 58775.31 | Yes | Employed | Employed | No | No | No |  |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**Canopy VALUATION Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 834323 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835730 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 50.35 | 50.35 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839842 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 6.86 | 72.69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840388 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | Broker Price Opinion (BPO) | xxxxxx | 21.82 | 43.89 | xxxxxx | xxxxxx | .1883 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1883 | 88.0 | 0.12 | xxxxxx | xxxxxx | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840793 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0230 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0230 | 90.0 | 0.1 | xxxxxx | xxxxxx | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841184 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-08-2025 |
| 841850 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-19-2025 Eligible | 2.5 | 06-19-2025 |
| 842778 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 56.82 | 56.82 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 Eligible | 1.2 | 06-25-2025 |
| 842939 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 59.38 | 59.38 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842982 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 58.92 | 58.92 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843130 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 |
| 843142 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 52.52 | 52.52 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-04-2025 |
| 843583 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-01-2025 |
| 843614 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-31-2025 |
| 843615 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 07-18-2025 |
| 843756 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 79.84 | 79.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843850 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 07-16-2025 |
| 843862 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 64.52 | 64.52 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 08-04-2025 |
| 843903 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 07-25-2025 |
| 843921 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 73.08 | 73.08 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-01-2025 |
| 843934 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843982 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 66.84 | 66.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-06-2025 |
| 843996 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2025 Eligible | 1 | 07-17-2025 |
| 844049 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844151 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 40.0 | 40.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 |
| 844158 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-30-2025 Eligible | 1 | 07-30-2025 |
| 844163 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 |
| 844164 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844392 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 |
| 844411 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 844417 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM | xxxxxx | 34.64 | 70.0 | xxxxxx | xxxxxx | .0318 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0318 | 92.0 | 0.08 | xxxxxx | xxxxxx | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844721 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-29-2025 |
| 844747 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2024 |
| 844748 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-22-2024 Eligible |  |  |
| 844850 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-23-2025 Eligible | 1.3 | 07-23-2025 |
| 844865 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 58.82 | 58.82 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-14-2025 Eligible | 1 | 08-14-2025 |
| 844902 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 69.79 | 69.79 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-22-2025 Eligible | 1.8 | 07-22-2025 |
| 844949 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-30-2025 |
| 844953 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-23-2025 |
| 844972 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-31-2025 Eligible | 1.8 | 07-31-2025 |
| 845167 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 |
| 845182 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2025 |
| 845192 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-01-2025 Eligible | 1 | 08-01-2025 |
| 845210 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 Eligible |  |  |
| 845474 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-23-2025 Eligible | 1 | 06-23-2025 |
| 845524 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845533 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 66.1 | 66.1 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 |
| 845707 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845776 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 55.56 | 55.56 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-11-2025 |
| 845846 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 |
| 845888 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 66.23 | 66.23 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845892 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 Eligible | 1 | 07-22-2025 |
| 845893 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 73.97 | 73.97 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-21-2025 |
| 845897 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | xxxxxx | Other | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.1111 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1111 | xxxxxx | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845904 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 74.39 | 74.39 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-24-2025 |
| 845908 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-12-2025 |
| 845912 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845913 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845919 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 |
| 845921 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 07-28-2025 |
| 845922 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-15-2025 Eligible |  |  |
| 845926 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | Other | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845927 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845932 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845935 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-24-2025 Eligible | 1 | 06-24-2025 |
| 845936 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-01-2025 Eligible | 1 | 07-01-2025 |
| 845940 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-21-2025 Eligible | 1 | 07-21-2025 |
| 845949 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 846011 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-04-2025 |
| 846105 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846176 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-20-2025 Eligible | 1 | 08-20-2025 |
| 846267 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-05-2025 Eligible |  |  |
| 846372 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 846395 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846514 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0740 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0740 | xxxxxx | Moderate Risk | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 846521 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 74.73 | 74.73 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 846535 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-22-2025 Eligible | 1.3 | 08-22-2025 |
| 846537 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-20-2025 Eligible | 1 | 08-20-2025 |
| 846544 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 47.3 | 47.3 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 08-07-2025 |
| 846558 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 68.86 | 68.86 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-06-2025 Eligible | 1 | 08-06-2025 |
| 846703 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 69.9 | 69.9 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-25-2025 Eligible | 1 | 08-25-2025 |
| 846711 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-03-2025 Eligible | 1 | 09-03-2025 |
| 846958 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 |
| 846978 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 69.23 | 69.23 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846991 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 847100 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 71.16 | 71.16 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-22-2025 Eligible |  |  |
| 847133 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-27-2025 |
| 847142 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 20.78 | 78.55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847202 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 07-25-2025 |
| 847409 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 58.82 | 58.82 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847434 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 08-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-24-2025 |
| 847435 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 08-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847485 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 |
| 847524 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847529 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-15-2025 Eligible | 1 | 07-15-2025 |
| 847537 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847607 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847615 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847618 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847670 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 847763 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847765 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 17.22 | 64.91 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-12-2025 |
| 847839 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 54.47 | 54.47 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 847848 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 76.92 | 76.92 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 08-05-2025 |
| 847860 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 66.28 | 66.28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-05-2025 |
| 847874 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-31-2025 Eligible |  |  |
| 847942 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 24.17 | 79.5 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 |
| 848011 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-19-2025 Eligible |  |  |
| 848106 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 848165 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-11-2025 Eligible | 1 | 09-11-2025 |
| 848310 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 Eligible |  |  |
| 848311 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 64.71 | 64.71 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 0.0 | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848313 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 55.22 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  | xxxxxx | 0 | .0000 | 07-16-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0299 | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |
| 848314 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-14-2025 Eligible | 1 | 08-14-2025 |
| 848316 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 76.0 | 76.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 |
| 848317 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-15-2025 |
| 848355 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-17-2025 |
| 848380 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848382 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848402 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW RISK | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848426 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-09-2025 Eligible |  |  |
| 848460 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 Eligible | 1.2 | 08-19-2025 |
| 848462 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0217 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0217 | 96.0 | 0.04 | xxxxxx | xxxxxx | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 848470 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 09-10-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-16-2025 |
| 848478 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848623 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 09-22-2025 |
| 848625 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848629 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-15-2025 Eligible |  |  |
| 848674 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-26-2025 Eligible | 1 | 09-26-2025 |
| 848718 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 |
| 848724 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-09-2025 |
| 848741 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 23.64 | 84.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 848762 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 79.38 | 79.38 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 848777 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 57.61 | 57.61 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848859 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848922 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 74.97 | 74.97 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 849019 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 62.09 | 62.09 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849099 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.91 | 75.91 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-10-2025 Eligible | 1 | 09-10-2025 |
| 849108 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849177 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  | xxxxxx | 0 | .0000 | 09-20-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849253 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 34.88 | 34.88 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | MODERATE RISK | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 Eligible |  |  |
| 849285 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-15-2025 Eligible |  |  |
| 849309 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 |
| 849337 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 |
| 849339 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 |
| 849395 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 78.42 | 78.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-29-2025 |
| 849403 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849640 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-23-2025 |
| 849685 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 71.43 | 71.43 | xxxxxx | xxxxxx | .0857 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0857 | 09-26-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849915 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-03-2025 Eligible | 1.7 | 10-03-2025 |
| 849979 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 63.78 | 63.78 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 850138 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 57.14 | 57.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2025 |
| 850139 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | 09-18-2025 |  |  |  |  |  |  |  |  | 1.2 | 09-30-2025 |
| 850141 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 29.3 | 29.3 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 850143 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 |
| 850145 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Accetable | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-22-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 09-17-2025 Eligible |  |  |
| 850173 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850181 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 Eligible | 1.2 | 09-19-2025 |
| 850249 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850341 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 09-12-2025 |
| 850343 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 09-11-2025 |
| 850345 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-15-2025 |
| 850346 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-04-2025 Eligible |  |  |
| 850347 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850348 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850349 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 850350 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 89.99 | 89.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 850352 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 74.7 | 74.7 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-12-2025 |
| 850354 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.56 | 70.56 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 Eligible | 2.4 | 07-28-2025 |
| 850355 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850357 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 44.44 | 44.44 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 Eligible | 1 | 09-22-2025 |
| 850358 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 |
| 850359 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850360 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 64.2 | 64.2 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2025 |
| 850361 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 850363 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 850364 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 |
| 850366 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .2293 | 07-10-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 |
| 850367 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 |
| 850368 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850369 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | -.0156 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0156 | 09-10-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 850370 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 |
| 850371 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 Eligible | 1 | 08-27-2025 |
| 850372 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 850373 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850374 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 850375 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 68.56 | 68.56 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-25-2025 Eligible | 1 | 09-25-2025 |
| 850376 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 Eligible | 1 | 09-12-2025 |
| 850380 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-02-2025 Eligible |  |  |
| 850381 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 79.91 | 79.91 | xxxxxx | xxxxxx | -.0082 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0082 | xxxxxx | Moderate Risk | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850382 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 850383 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 850384 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-03-2025 |
| 850385 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 |
| 850386 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-22-2025 |
| 850387 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 Eligible | 1 | 09-10-2025 |
| 850389 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 69.51 | 69.51 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 09-08-2025 |
| 850390 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 69.97 | 69.97 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 |
| 850391 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 850392 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 79.9 | 79.9 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 |
| 850394 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 850396 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-10-2025 Eligible | 1 | 09-10-2025 |
| 850398 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 |
| 850399 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850401 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-11-2025 |
| 850402 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 850403 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 |
| 850405 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 |
| 850406 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 69.23 | 69.23 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850407 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 61.95 | 61.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850408 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-02-2025 |
| 850412 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-04-2025 Eligible |  |  |
| 850414 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-15-2025 Eligible | 1 | 08-15-2025 |
| 850416 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 08-22-2025 |
| 850531 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850712 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-22-2025 |
| 850732 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-01-2025 |
| 850751 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 Eligible |  |  |
| 850782 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 69.44 | 69.44 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-29-2025 |
| 850987 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 |
| 851010 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 Eligible | 1 | 09-24-2025 |
| 851388 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM | xxxxxx | 29.06 | 65.73 | xxxxxx | xxxxxx | .2205 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | 78 | 0.22 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .2205 |  | 09-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851389 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 27.03 | 63.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 Eligible | 1.4 | 10-08-2025 |

---

## Exhibit 99.16

**EXHIBIT 99.16**

**CLARIFII LLC ("CLARIFII") EXECUTIVE SUMMARY**

![](tm253242d1_ex99-16img02.jpg)

**EXECUTIVE SUMMARY**

**Verus 2025-12**

**By Clarifii LLC on November 25, 2025**

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm253242d1_ex99-16img02.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 320 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2025-12 transaction. The Loans referenced in this narrative report were reviewed between 09/2024 to 11/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;82 | &nbsp;&nbsp;25.63% | &nbsp;&nbsp;$47787876.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;49 | &nbsp;&nbsp;15.31% | &nbsp;&nbsp;$26937224.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.81% | &nbsp;&nbsp;$4304350.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;180 | &nbsp;&nbsp;56.25% | &nbsp;&nbsp;$86937476.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**320** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165966926.00** |

---

The Review consisted of a population of 320 Loans, with an aggregate principal balance of $165,966,926.00.

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

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

**LOAN** **SAMPLING**

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

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](tm253242d1_ex99-16img02.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** |
| S&P Global Ratings | Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| Kroll Bond Rating Agency, LLC | U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA** **INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Initial Interest Rate |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - 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 |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](tm253242d1_ex99-16img02.jpg)

---

| |
|:---|
| &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 |
| &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 Origination Equifax |
| &nbsp;&nbsp;Borrower 1 Origination Experian |
| &nbsp;&nbsp;Borrower 1 Origination FICO |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion |
| &nbsp;&nbsp;B1 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 |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](tm253242d1_ex99-16img02.jpg)

---

| |
|:---|
| &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 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;Borrower 2 Origination Equifax |
| &nbsp;&nbsp;Borrower 2 Origination Experian |
| &nbsp;&nbsp;Borrower 2 Origination FICO |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Condo Rider |
| &nbsp;&nbsp;Escrow Indicator |
| &nbsp;&nbsp;Family Rider 1-4 |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &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;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 |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](tm253242d1_ex99-16img02.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;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 Doc Type |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Other Rider |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;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 Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](tm253242d1_ex99-16img02.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;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 Product Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](tm253242d1_ex99-16img02.jpg)

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

![](tm253242d1_ex99-16img02.jpg)

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

- the guidelines

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

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

![](tm253242d1_ex99-16img02.jpg)

**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** 

**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)

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

![](tm253242d1_ex99-16img02.jpg)

- 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.

&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).

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

![](tm253242d1_ex99-16img02.jpg)

**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.

- 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.

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

![](tm253242d1_ex99-16img02.jpg)

- 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.

- 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.

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

![](tm253242d1_ex99-16img02.jpg)

- 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.

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

![](tm253242d1_ex99-16img02.jpg)

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

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

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

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

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

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

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

All Loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](tm253242d1_ex99-16img02.jpg)

**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.

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

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

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

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](tm253242d1_ex99-16img02.jpg)

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA <br> or Acceptable <br> UCDP Risk Score** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;153 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;143 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |

---

 

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

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](tm253242d1_ex99-16img02.jpg)

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](tm253242d1_ex99-16img02.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** | &nbsp;&nbsp;**Overall Grade Summary S&P** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;240 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;80 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**320** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary Kroll** | &nbsp;&nbsp;**Overall Grade Summary Kroll** | &nbsp;&nbsp;**Overall Grade Summary Kroll** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;240 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;80 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**320** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** | &nbsp;&nbsp;**Credit Grade Summary S&P** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;278 | &nbsp;&nbsp;86.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;42 | &nbsp;&nbsp;13.12% |
| &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;**320** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary Kroll** | &nbsp;&nbsp;**Credit Grade Summary Kroll** | &nbsp;&nbsp;**Credit Grade Summary Kroll** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;278 | &nbsp;&nbsp;86.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;42 | &nbsp;&nbsp;13.12% |
| &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;**320** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](tm253242d1_ex99-16img02.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** | &nbsp;&nbsp;**Property Grade Summary S&P** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;317 | &nbsp;&nbsp;99.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.94% |
| &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;**320** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary Kroll** | &nbsp;&nbsp;**Property Grade Summary Kroll** | &nbsp;&nbsp;**Property Grade Summary Kroll** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;317 | &nbsp;&nbsp;99.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.94% |
| &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;**320** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** | &nbsp;&nbsp;**Compliance Grade Summary S&P** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;275 | &nbsp;&nbsp;85.94% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;45 | &nbsp;&nbsp;14.06% |
| &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;**320** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary Kroll** | &nbsp;&nbsp;**Compliance Grade Summary Kroll** | &nbsp;&nbsp;**Compliance Grade Summary Kroll** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;275 | &nbsp;&nbsp;85.94% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;45 | &nbsp;&nbsp;14.06% |
| &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;**320** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

![](tm253242d1_ex99-16img02.jpg)

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

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.25% | &nbsp;&nbsp;$3362249.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;316 | &nbsp;&nbsp;98.75% | &nbsp;&nbsp;$162604677.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**320** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165966926.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;178 | &nbsp;&nbsp;55.63% | &nbsp;&nbsp;$107690137.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;15 | &nbsp;&nbsp;4.69% | &nbsp;&nbsp;$7567074.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;127 | &nbsp;&nbsp;39.69% | &nbsp;&nbsp;$50709715.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**320** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165966926.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;176 | &nbsp;&nbsp;55.00% | &nbsp;&nbsp;$81689724.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;144 | &nbsp;&nbsp;45.00% | &nbsp;&nbsp;$84277202.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**320** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165966926.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;263 | &nbsp;&nbsp;82.19% | &nbsp;&nbsp;$147793226.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;57 | &nbsp;&nbsp;17.81% | &nbsp;&nbsp;$18173700.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**320** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165966926.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.63% | &nbsp;&nbsp;$2023892.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.44% | &nbsp;&nbsp;$8076444.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;305 | &nbsp;&nbsp;95.31% | &nbsp;&nbsp;$155240227.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.31% | &nbsp;&nbsp;$379363.00 |
| &nbsp;&nbsp;120 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.31% | &nbsp;&nbsp;$247000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**320** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165966926.00** |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

![](tm253242d1_ex99-16img02.jpg)

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;34 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;49 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;49 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;30 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Fax or Mail | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;314 | &nbsp;&nbsp;98.09% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;3 | &nbsp;&nbsp;15 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;315 | &nbsp;&nbsp;97.46% |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

![](tm253242d1_ex99-16img02.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B1 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - American Indian or Alaska Native Desc | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian Indian | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Filipino | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Guamanian or Chamorro | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Borrower 1 Race - Japanese | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Korean | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian or Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Samoan | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;3 | &nbsp;&nbsp;172 | &nbsp;&nbsp;98.26% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;16 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination Equifax | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination Experian | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 23

![](tm253242d1_ex99-16img02.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Origination TransUnion | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;68 | &nbsp;&nbsp;92.65% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;77 | &nbsp;&nbsp;77.92% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;29 | &nbsp;&nbsp;68.97% |
| &nbsp;&nbsp;Condo Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Family Rider 1-4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;117 | &nbsp;&nbsp;97.44% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;64 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;16 | &nbsp;&nbsp;56.25% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;267 | &nbsp;&nbsp;99.25% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;8 | &nbsp;&nbsp;317 | &nbsp;&nbsp;97.48% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Late Charge Grace Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Late Charge Percent | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;2 | &nbsp;&nbsp;269 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;12 | &nbsp;&nbsp;271 | &nbsp;&nbsp;95.57% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;1 | &nbsp;&nbsp;318 | &nbsp;&nbsp;99.69% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Originator Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;14 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;Loan Originator NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;241 | &nbsp;&nbsp;99.59% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;320 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;105 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;73 | &nbsp;&nbsp;80.82% |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 24

![](tm253242d1_ex99-16img02.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;240 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &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;3 | &nbsp;&nbsp;315 | &nbsp;&nbsp;99.05% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;3 | &nbsp;&nbsp;314 | &nbsp;&nbsp;99.04% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Other Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;264 | &nbsp;&nbsp;99.24% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;96 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;3 | &nbsp;&nbsp;318 | &nbsp;&nbsp;99.06% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;5 | &nbsp;&nbsp;317 | &nbsp;&nbsp;98.42% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;1 | &nbsp;&nbsp;318 | &nbsp;&nbsp;99.69% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;66 | &nbsp;&nbsp;284 | &nbsp;&nbsp;76.76% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;317 | &nbsp;&nbsp;99.68% |
| &nbsp;&nbsp;PUD Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;216 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;15 | &nbsp;&nbsp;265 | &nbsp;&nbsp;94.34% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;280 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;196 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;282 | &nbsp;&nbsp;94.33% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;49 | &nbsp;&nbsp;218 | &nbsp;&nbsp;77.52% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;6 | &nbsp;&nbsp;20 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;35 | &nbsp;&nbsp;74.29% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;109 | &nbsp;&nbsp;99.08% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;9 | &nbsp;&nbsp;145 | &nbsp;&nbsp;93.79% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;196 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;248 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 25

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

1. Narrative Report/Executive Summary

2. Attestation Forms

3. ASF Report

4. Rating Agency Grade Detail and Summary Report

5. Data Compare Report

6. Valuations Report

7. Rating Agency ATR/QM Report

8. Supplement Data Extract

9. Business Purpose Supplement Data Extract Report

**Disclaimer**

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

 

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

 

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

 

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

 

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

VERUS 2025-12 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 26

## Exhibit 99.17

**EXHIBIT 99.17**

**clarifii rating agency grades detail report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 817559 | xxxxxx C B A | Closed | xxxxxx | 2024-09-11 12:44 | 2024-09-25 12:36 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists (including the Business LLC). - Due Diligence Vendor-09/25/2024 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing Business Name LLC - Due Diligence Vendor-09/11/2024 |  | Resolved-All Interested Parties Checked against Exclusionary Lists (including the Business LLC). - Due Diligence Vendor-09/25/2024 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 82, guides requires 0<br> LTV is less than guideline maximum - LTV is 70% , 75 allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 817559 | xxxxxx C B A | Closed | xxxxxx | 2024-09-11 12:56 | 2024-09-24 11:12 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-04/16/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Per guidelines, borrower must have 10% into transaction = $xxxxxx. per CD only needed after gift $66252.99 - Due Diligence Vendor-09/11/2024 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-04/16/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 82, guides requires 0<br> LTV is less than guideline maximum - LTV is 70% , 75 allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 817559 | xxxxxx C B A | Closed | xxxxxx | 2024-09-12 14:36 | 2024-09-13 11:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver to finding applied with comp factors. - Due Diligence Vendor-04/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements.Borrower does not have a history. He was not on the Note. Note was in spouses name and history from spouse in in file. He was however on the deed since xxxxxx. File contains a Client exception waiver. Waiver applied to non material finding with comp factors. - Due Diligence Vendor-09/12/2024 |  | Waived-Client exception granted, waiver to finding applied with comp factors. - Due Diligence Vendor-04/16/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 82, guides requires 0<br> LTV is less than guideline maximum - LTV is 70% , 75 allowed | 70% LTV < 75% maximum allowed<br> 705 FICO > 680 minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 823412 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 830923 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 835269 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 836721 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 836915 | xxxxxx C A | Closed | xxxxxx | 2025-08-14 14:14 | 2025-08-19 08:48 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received deed. - Due Diligence Vendor-08/19/2025 <br> Open-Property Title Issue Per Title there are 2 Title Holders - file is missing Fully Executed Quit-Claim Deed to just the Borrower - Due Diligence Vendor-08/14/2025 |  | Resolved-Received deed. - Due Diligence Vendor-08/19/2025 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 12 months<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 695 Min FICO = 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 836915 | xxxxxx C A | Closed | xxxxxx | 2025-08-08 11:30 | 2025-08-19 08:47 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/19/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- missing legal description - Due Diligence Vendor-08/08/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/19/2025 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 12 months<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 695 Min FICO = 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 837089 | xxxxxx D A C | Closed | xxxxxx | 2025-05-13 08:42 | 2025-06-25 14:14 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved--Inspection report provided showing no issues with xxxxxx. - Due Diligence Vendor-06/25/2025 <br> Counter-Received contract addendum, missing xxxxxx as per addendum indicates. Finding remains - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. Forgot to attach 1003 to other condition so including here. - Buyer-06/23/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing xxxxxx Form xxxxxx incorporated into the contract under paragraph 4B. If addendum incorporates xxxxxx a copy must be provided. Additional findings may apply. - Due Diligence Vendor-05/13/2025 |  | Resolved--Inspection report provided showing no issues with xxxxxx. - Due Diligence Vendor-06/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 712; minimum required 660<br> Months Reserves exceed minimum required - Months of post close reserves of 14.77 exceed guideline requirement of 6 months<br> LTV is less than guideline maximum - Qualifying LTV 80%; max 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837089 | xxxxxx D A C | Closed | xxxxxx | 2025-05-13 09:25 | 2025-06-24 12:52 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-(1) No additional documentation is needed (2) Assets transferred from xxxxxx account removed form calculation, no issues - Due Diligence Vendor-06/24/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing (1) evidence borrower has ownership interest in xxxxxx for use of funds transferred into other accounts; EIN documentation does not specify ownership (2) evidence of updated xxxxxx balance after transfers to account whose last four digits are xxxxxx in the month of April; most recent xxxxxx statement is ending 03/31 and amounts transferred exceed the available balance (3) additional findings may apply. - Due Diligence Vendor-05/13/2025 |  | Resolved-(1) No additional documentation is needed (2) Assets transferred from xxxxxx account removed form calculation, no issues - Due Diligence Vendor-06/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 712; minimum required 660<br> Months Reserves exceed minimum required - Months of post close reserves of 14.77 exceed guideline requirement of 6 months<br> LTV is less than guideline maximum - Qualifying LTV 80%; max 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837089 | xxxxxx D A C | Closed | xxxxxx | 2025-05-13 08:46 | 2025-06-24 10:55 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Contract addendum in file updates occupancy to second home, initial and final application also reflect borrower's intention to use as a 2nd home. Second home occupancy is supported. Borrower's own only 1 additional property which is an investment - Due Diligence Vendor-06/24/2025 <br> Open-Subject submitted as 2nd home. Purchase contract originally ratified as investment. Appraisal occupancy change from vacant to owner per Originator's request. Photos do not support owner occupancy but Short Term Rental setup. Borrower's are experienced short term rental landlords. - Due Diligence Vendor-05/13/2025 |  | Resolved-Contract addendum in file updates occupancy to second home, initial and final application also reflect borrower's intention to use as a 2nd home. Second home occupancy is supported. Borrower's own only 1 additional property which is an investment - Due Diligence Vendor-06/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 712; minimum required 660<br> Months Reserves exceed minimum required - Months of post close reserves of 14.77 exceed guideline requirement of 6 months<br> LTV is less than guideline maximum - Qualifying LTV 80%; max 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837089 | xxxxxx D A C | Closed | xxxxxx | 2025-05-13 08:27 | 2025-06-24 10:38 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated 1003 - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Please see attached. - Buyer-06/23/2025 <br> Open-Missing 1003 with qualifying income with correct employer. Per documentation in loan file borrower is a 1099 employee of xxxxxx, not an owner. Employer name would be how borrower files tax returns for income. Per bank statements for YTD earnings borrowers earnings go into a personal account, not xxxxxx. - Due Diligence Vendor-05/13/2025 |  | Resolved-Received updated 1003 - Due Diligence Vendor-06/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 712; minimum required 660<br>Months Reserves exceed minimum required - Months of post close reserves of 14.77 exceed guideline requirement of 6 months<br>LTV is less than guideline maximum - Qualifying LTV 80%; max 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837089 | xxxxxx D A C | Closed | xxxxxx | 2025-05-13 09:43 | 2025-05-22 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-After further review, YTD income is verified and a VOE is not required. - Due Diligence Vendor-05/22/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing final VOE - Due Diligence Vendor-05/13/2025 |  | Resolved-After further review, YTD income is verified and a VOE is not required. - Due Diligence Vendor-05/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 712; minimum required 660<br>Months Reserves exceed minimum required - Months of post close reserves of 14.77 exceed guideline requirement of 6 months<br>LTV is less than guideline maximum - Qualifying LTV 80%; max 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837089 | xxxxxx D A C | Closed | xxxxxx | 2025-05-13 09:43 | 2025-05-22 10:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-The borrower is a 1099 employee, employment is documented per guides. - Due Diligence Vendor-05/22/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing verification of employment for the preivous 2 years. - Due Diligence Vendor-05/13/2025 |  | Resolved-The borrower is a 1099 employee, employment is documented per guides. - Due Diligence Vendor-05/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 712; minimum required 660<br>Months Reserves exceed minimum required - Months of post close reserves of 14.77 exceed guideline requirement of 6 months<br>LTV is less than guideline maximum - Qualifying LTV 80%; max 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837089 | xxxxxx D A C | Closed | xxxxxx | 2025-05-08 14:36 | 2025-05-21 16:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for disclosure points fee increase. - Due Diligence Vendor-05/21/2025 <br> Open------Zero (0%) tolerance fees increased by $280.00 Loan 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 $XX.xx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-05/08/2025 |  | Resolved-Received COC for disclosure points fee increase. - Due Diligence Vendor-05/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 712; minimum required 660<br>Months Reserves exceed minimum required - Months of post close reserves of 14.77 exceed guideline requirement of 6 months<br>LTV is less than guideline maximum - Qualifying LTV 80%; max 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 837161 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 12:14 | 2025-07-16 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Updated Mortgage provided with the PUD rider. - Due Diligence Vendor-07/16/2025 <br> Open-PUD Rider is Missing Missing PUD Rider. Per Title and Appraisal the subject lies within the xxxxxx Subdivision and is subject to an HOA but the DoT is lacking a PUD Rider. - Due Diligence Vendor-05/14/2025 |  | Resolved-Updated Mortgage provided with the PUD rider. - Due Diligence Vendor-07/16/2025 | Months Reserves exceed minimum required - Qualifying reserves 29 months; minimum required 9 months.<br>Qualifying DTI below maximum allowed - Qualifying DTI 20.83%; max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837161 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 12:14 | 2025-06-03 09:32 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-The appraisal commented all marketing factors for this neighborhood appear to be in balance. - Due Diligence Vendor-06/03/2025 <br> Open-Missing comments from appraiser regarding oversupply housing trend.<br> - Due Diligence Vendor-05/14/2025 |  | Resolved-The appraisal commented all marketing factors for this neighborhood appear to be in balance. - Due Diligence Vendor-06/03/2025 | Months Reserves exceed minimum required - Qualifying reserves 29 months; minimum required 9 months.<br>Qualifying DTI below maximum allowed - Qualifying DTI 20.83%; max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837161 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 12:40 | 2025-05-28 09:26 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received new account information. - Due Diligence Vendor-05/28/2025 <br> Counter-Received new account information. - Due Diligence Vendor-05/23/2025 <br> Open-Missing documentation to support payment and balance for new debt with xxxxxx. Debt is reflected on the UDM report as an inquiry only. No letter of explanation is in the file, no documentation to support, and debt was added to the final 1003. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received new account information. - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - Qualifying reserves 29 months; minimum required 9 months.<br>Qualifying DTI below maximum allowed - Qualifying DTI 20.83%; max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837161 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 12:47 | 2025-05-15 10:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception in regards to allowing higher LTV. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/15/2025 <br> Open-Audited LTV of 79.99% exceeds Guideline LTV of 75% . Exception in file. - Due Diligence Vendor-05/14/2025 |  | Waived-Client exception in regards to allowing higher LTV. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/15/2025 | Months Reserves exceed minimum required - Qualifying reserves 29 months; minimum required 9 months.<br>Qualifying DTI below maximum allowed - Qualifying DTI 20.83%; max 50% | - 12+ mos > guidelines <br> - DTI < 36%<br> - Years at present address > 20 years<br> - FICO +10 points > guidelines<br> - Mtg history 0x30x24 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837618 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 16:34 | 2025-06-04 12:44 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Waived-Client provided a waiver for source of xxxxxx deposit, applied to non material finding with comp factors - Due Diligence Vendor-06/04/2025 <br> Counter-Received note asset from unsecured business credit line-asset is not eligible for closing nor reserves. Must meet guidelines 2.6 as acceptable source of large deposit. (non DSCR loan) - Due Diligence Vendor-05/28/2025 <br> Ready for Review-This was pulled from a business credit line from xxxxxx banks ending in 022. xxxxxx take in advance on xxxxxx that matches the date of transfer. Due to being a business credit line, DTI is not considered as it is a business loan and not personal. this is a business purpose loan, please review and clear. xxxxxx. - Buyer-05/27/2025 <br> Open-Missing LOX for xxxxxx deposit on xxxxxx to account ending 3696. Funds required for closing and reserves. - Due Diligence Vendor-05/14/2025 |  | Waived-Client provided a waiver for source of xxxxxx deposit, applied to non material finding with comp factors - Due Diligence Vendor-06/04/2025 | LTV is less than guideline maximum - 75% LTV is less than 85% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 772 FICO exceeds 660 minimum required. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required <br> Residual income more than 2.5x the amount required by guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 837618 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 16:16 | 2025-05-23 10:08 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received tax payment history reflecting paid. - Due Diligence Vendor-05/23/2025 <br> Open-Property Title Issue Missing evidence that the 2nd installment of taxes were paid. Title Schedule B Item 2 (PDF 174) and tax bill (PDF 703) note 2nd installment became delinquent after 04/10/2025. - Due Diligence Vendor-05/14/2025 |  | Resolved-Received tax payment history reflecting paid. - Due Diligence Vendor-05/23/2025 | LTV is less than guideline maximum - 75% LTV is less than 85% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 772 FICO exceeds 660 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837618 | xxxxxx D B A | Closed | xxxxxx | 2025-05-14 15:05 | 2025-05-16 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-LOX provided confirming income in xxxxxx was higher due to state reimbursement for xxxxxx. The 2024 income of $2.2MM from the P & L is line with the 2022 income of $2.3MM. - Due Diligence Vendor-05/16/2025 <br> Open-Missing LOX for decline in xxxxxx income noted on P&L. LOX in file for increase from xxxxxx (reimbursement noted on LOX is reflected in the 1120S statements). - Due Diligence Vendor-05/14/2025 |  | Resolved-LOX provided confirming income in 2023 was higher due to state reimbursement for xxxxxx. The 2024 income of $2.2MM from the P & L is line with the 2022 income of $2.3MM. - Due Diligence Vendor-05/16/2025 | LTV is less than guideline maximum - 75% LTV is less than 85% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 772 FICO exceeds 660 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837820 | xxxxxx D A | Closed | xxxxxx | 2025-06-25 09:20 | 2025-11-07 13:52 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-After further review, the 1007 indicates actual rents of $1,700 per week. - Due Diligence Vendor-07/22/2025 <br> Counter-Received request for clarification-form 1007 reflects monthly rental of $1,800. Guidelines pg 15 allow 1007/1025 or 12 moth rental history or rental records or xxxxxx. Also-80% of gross rents may be considered. Original finding remains. - Due Diligence Vendor-07/17/2025 <br> Counter-Receive originator rental income considered from Operating Income Statement. Guidelines pg 15 allow 1007/1025 or 12 moth rental history or rental records or xxxxxx. Also-80% of gross rents may be considered. Original finding remains. - Due Diligence Vendor-07/11/2025 <br> Open-The Calculated DSCR of '0.344' is less than the minimum DSCR per lender guidelines of '0.75'. Audit concurs with Lender on insurance, taxes and flood insurance. Monthly amount for PITIA of $5,226.02. Per the 1007, the estimated market rents are $1,800 per month and missing the third party data source for the weekly rental income used by the Lender. Lender used 1.263 for the DSCR calculation. - Due Diligence Vendor-06/27/2025 |  | Resolved-After further review, the 1007 indicates actual rents of $1,700 per week. - Due Diligence Vendor-07/22/2025 | Months Reserves exceed minimum required - 14 months available vs. 2 required.<br>LTV is less than guideline maximum - 64.74% vs. 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837820 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 09:10 | 2025-08-13 09:16 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received corrected Note reflecting business entity information. - Due Diligence Vendor-08/13/2025 <br> Open-There are Issues Present on the Note that must be addressed. Business entity not listed on the Note - Due Diligence Vendor-06/26/2025 |  | Resolved-Received corrected Note reflecting business entity information. - Due Diligence Vendor-08/13/2025 | Months Reserves exceed minimum required - 14 months available vs. 2 required.<br>LTV is less than guideline maximum - 64.74% vs. 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837820 | xxxxxx D A | Closed | xxxxxx | 2025-06-25 08:27 | 2025-08-13 09:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-08/13/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Required per guides - Due Diligence Vendor-06/25/2025 |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-08/13/2025 | Months Reserves exceed minimum required - 14 months available vs. 2 required.<br>LTV is less than guideline maximum - 64.74% vs. 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837820 | xxxxxx D A | Closed | xxxxxx | 2025-06-25 09:04 | 2025-07-29 09:02 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received revised 1003 confirming funds from account not considered. - Due Diligence Vendor-07/29/2025 <br> Counter-Review did not receive upload-please re upload. - Due Diligence Vendor-07/17/2025 <br> Counter-Received Business Information for Premium Vending-documentation is insufficient-must provide operating agreement or acceptable 3rd party validation of percentage of ownership. Finding remains - Due Diligence Vendor-07/11/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements xxxxxx Bank xxxxxx in the name of xxxxxx. Provide documentation to support that the Borrower(s) have ownership and what the percentage of ownership is. Note that assets are not yet finalized, and additional information and/or documentation may be required. - Due Diligence Vendor-06/25/2025 |  | Resolved-Received revised 1003 confirming funds from account not considered. - Due Diligence Vendor-07/29/2025 | Months Reserves exceed minimum required - 14 months available vs. 2 required.<br>LTV is less than guideline maximum - 64.74% vs. 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837820 | xxxxxx D A | Closed | xxxxxx | 2025-06-26 09:26 | 2025-07-17 09:20 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Certificate of Formation for LLC - Due Diligence Vendor-07/17/2025 <br> Counter-Documentation is insufficient-Articles of Incorp are required in State. Original finding remains. - Due Diligence Vendor-07/11/2025 <br> Open-The Business Entity Formation Document is incomplete Missing Articles of Organization<br> - Due Diligence Vendor-06/26/2025 |  | Resolved-Received Certificate of Formation for LLC - Due Diligence Vendor-07/17/2025 | Months Reserves exceed minimum required - 14 months available vs. 2 required.<br>LTV is less than guideline maximum - 64.74% vs. 75% max |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 837866 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-15 12:27 | 2025-11-10 11:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD xxxxxx, LOX, copy of check and proof of delivery. - Due Diligence Vendor-06/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $26.00.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 $26.00 Other Recording 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 $26.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-05/15/2025 |  | Resolved-Received PCCD xxxxxx, LOX, copy of check and proof of delivery. - Due Diligence Vendor-06/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 735, guideline minimum is 680.<br>CLTV is less than guidelines maximum - The calculated CLTV is 56.3%, guideline maximum is 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 |
| 837866 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-16 15:59 | 2025-06-12 09:52 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-06/12/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. Lender QM status is safe harbor, the final QM status is QM: Higher priced APOR(APOR HP) due to being flagged as a HPML loan. - Due Diligence Vendor-05/16/2025 |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-06/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 735, guideline minimum is 680.<br>CLTV is less than guidelines maximum - The calculated CLTV is 56.3%, guideline maximum is 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 |
| 837866 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-16 13:59 | 2025-06-06 11:00 | Waived | 2 - Non-Material D B | Credit | Missing Doc | PUD Rider is Missing | Waived-Client provided a waiver for PUD Rider applied to non material finding with comp factors - Due Diligence Vendor-06/06/2025 <br> Open-PUD Rider is Missing Subject is a PUD per the appraisal and title, missing required PUD rider. - Due Diligence Vendor-05/16/2025 |  | Waived-Client provided a waiver for PUD Rider applied to non material finding with comp factors - Due Diligence Vendor-06/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 735, guideline minimum is 680.<br>CLTV is less than guidelines maximum - The calculated CLTV is 56.3%, guideline maximum is 80%. | Credit Score 30+ points > minimum required <br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DTI <= 36% which is below requirement in guidelines | 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 |
| 837866 | xxxxxx D B C A | Closed | xxxxxx | 2025-05-16 15:45 | 2025-05-22 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM in the file page 327. - Due Diligence Vendor-05/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report dated within 10 days of closing. - Due Diligence Vendor-05/16/2025 |  | Resolved-UDM in the file page 327. - Due Diligence Vendor-05/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 735, guideline minimum is 680.<br>CLTV is less than guidelines maximum - The calculated CLTV is 56.3%, guideline maximum is 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 |
| 838381 | xxxxxx D A | Closed | xxxxxx | 2025-05-27 11:46 | 2025-05-28 15:57 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Field review provided. - Due Diligence Vendor-05/28/2025 <br> Open-Additional valuation product has not been provided. Secondary valuation needed as CU on file has score of 4.3 - Due Diligence Vendor-05/27/2025 |  | Resolved-Field review provided. - Due Diligence Vendor-05/28/2025 | Months Reserves exceed minimum required - 43.31 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 750 ; minimum score 680. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838638 | xxxxxx D A | Closed | xxxxxx | 2025-06-09 14:47 | 2025-06-13 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Purchase Contract | Resolved-Received Amendment to Purchase contract. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/11/2025 <br> Open-Missing addendum to purchase contract reflecting final purchase price of xxxxxx - Due Diligence Vendor-06/09/2025 |  | Resolved-Received Amendment to Purchase contract. - Due Diligence Vendor-06/13/2025 | Months Reserves exceed minimum required - 33 vs 2<br>Qualifying FICO score is at least 20 points above minimum for program - 710 vs. 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838638 | xxxxxx D A | Closed | xxxxxx | 2025-06-06 12:29 | 2025-06-13 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/11/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/06/2025 |  | Resolved-Received HOI. - Due Diligence Vendor-06/13/2025 | Months Reserves exceed minimum required - 33 vs 2<br>Qualifying FICO score is at least 20 points above minimum for program - 710 vs. 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838638 | xxxxxx D A | Closed | xxxxxx | 2025-06-06 12:09 | 2025-06-13 09:22 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/12/2025 <br> Open-Unsatisfactory Chain of Title provided. Missing chain of title - Due Diligence Vendor-06/06/2025 |  | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-06/13/2025 | Months Reserves exceed minimum required - 33 vs 2<br>Qualifying FICO score is at least 20 points above minimum for program - 710 vs. 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838799 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 839351 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839473 | xxxxxx D A | Closed | xxxxxx | 2025-06-06 10:08 | 2025-06-25 10:00 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/25/2025 <br> Open-Unsatisfactory Chain of Title provided. Missing the chain of title - Due Diligence Vendor-06/06/2025 |  | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-06/25/2025 | LTV is less than guideline maximum - 36.19% LTV vs. max LTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 797 vs. min FICO of 640<br>Months Reserves exceed minimum required - 24 months available vs. 2 required<br>DSCR % greater than 1.20 - 2.640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839473 | xxxxxx D A | Closed | xxxxxx | 2025-06-06 10:08 | 2025-06-25 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/23/2025 <br> Open-Title Document is Incomplete Missing coverage amount - Due Diligence Vendor-06/06/2025 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-06/25/2025 | LTV is less than guideline maximum - 36.19% LTV vs. max LTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 797 vs. min FICO of 640<br>Months Reserves exceed minimum required - 24 months available vs. 2 required<br>DSCR % greater than 1.20 - 2.640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839473 | xxxxxx D A | Closed | xxxxxx | 2025-06-09 13:09 | 2025-06-10 15:13 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-After further review, the full statement is in the loan file - Due Diligence Vendor-06/10/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing full statement of the assets, only received print out. - Due Diligence Vendor-06/09/2025 |  | Resolved-After further review, the full statement is in the loan file - Due Diligence Vendor-06/10/2025 | LTV is less than guideline maximum - 36.19% LTV vs. max LTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 797 vs. min FICO of 640<br>Months Reserves exceed minimum required - 24 months available vs. 2 required<br>DSCR % greater than 1.20 - 2.640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839473 | xxxxxx D A | Closed | xxxxxx | 2025-06-06 11:01 | 2025-06-10 15:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-After further review, assets held in a personal account. - Due Diligence Vendor-06/10/2025 <br> Open-Assets held in a trust. Missing trust documents. - Due Diligence Vendor-06/09/2025 |  | Resolved-After further review, assets held in a personal account. - Due Diligence Vendor-06/10/2025 | LTV is less than guideline maximum - 36.19% LTV vs. max LTV 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 797 vs. min FICO of 640<br>Months Reserves exceed minimum required - 24 months available vs. 2 required<br>DSCR % greater than 1.20 - 2.640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839501 | xxxxxx B A | Closed | xxxxxx | 2025-09-29 09:40 | 2025-09-29 09:40 | 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-09/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-09/29/2025 | Long term residence - 9 years at subject current residence<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months<br>CLTV is less than guidelines maximum - CLTV = 63.98% - Max CLTV = 80% |  | 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 |
| 839663 | xxxxxx D B A | Closed | xxxxxx | 2025-06-11 05:30 | 2025-07-07 09:59 | Waived | 2 - Non-Material D B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. BPO provided supporting AVM value dated after closing. - Due Diligence Vendor-07/07/2025 <br> Counter-Secondary valuation must be from acceptable AVM vendor and acceptable FSD Score. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/17/2025 <br> Open-Additional valuation product has not been provided. Secondary valuation (review product) required in every file - Due Diligence Vendor-06/11/2025 |  | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. BPO provided supporting AVM value dated after closing. - Due Diligence Vendor-07/07/2025 | Qualifying DTI below maximum allowed - 24.55% DTI; 50% max allowed<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 35.36 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 |
| 839663 | xxxxxx D B A | Closed | xxxxxx | 2025-06-11 05:33 | 2025-06-18 13:42 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice of Special Flood Hazard. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/16/2025 <br> Open-Subject Property is in Flood Zone AH but Notice of Special Flood Hazard Disclosure was not provided Missing Signed Notice of Special Flood Hazards. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/16/2025 | Resolved-Received Notice of Special Flood Hazard. - Due Diligence Vendor-06/18/2025 | Qualifying DTI below maximum allowed - 24.55% DTI; 50% max allowed<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 35.36 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 |
| 839663 | xxxxxx D B A | Closed | xxxxxx | 2025-06-10 09:16 | 2025-06-12 11:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-legal description provided. - Due Diligence Vendor-06/12/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description missing. - Due Diligence Vendor-06/10/2025 |  | Resolved-legal description provided. - Due Diligence Vendor-06/12/2025 | Qualifying DTI below maximum allowed - 24.55% DTI; 50% max allowed<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 35.36 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 |
| 839663 | xxxxxx D B A | Closed | xxxxxx | 2025-06-11 05:52 | 2025-06-12 11:11 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-06/12/2025 <br> Open-Missing Approval/Underwriting Summary 1008 is missing. - Due Diligence Vendor-06/11/2025 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-06/12/2025 | Qualifying DTI below maximum allowed - 24.55% DTI; 50% max allowed<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 35.36 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 |
| 839663 | xxxxxx D B A | Closed | xxxxxx | 2025-06-11 05:40 | 2025-06-12 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-xxxxxx provided confirming business has been active since xxxxxx. - Due Diligence Vendor-06/12/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/11/2025 |  | Resolved-xxxxxx provided confirming business has been active since xxxxxx. - Due Diligence Vendor-06/12/2025 | Qualifying DTI below maximum allowed - 24.55% DTI; 50% max allowed<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 35.36 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 |
| 840048 | xxxxxx D A | Closed | xxxxxx | 2025-07-11 13:03 | 2025-07-22 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Document provided unrelated to finding originally resolved on 07/16/25. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Please see the corrected note ,we needed to get the PPP updated to 24 months with 6 months interest - Seller-07/17/2025 <br> Ready for Review-Document Uploaded. Per UW, she updated the taxes in system I've uploaded the updated 1008 and the application. <br>Per our guidelines for new construction, we use Purchase price xxxxxx x tax rate of 1.45% xxxxxx / 12 months = xxxxxx The tax rate is on the tax cert in file<br> - Seller-07/16/2025 <br> Open-Missing Evidence of Property Tax No documentation provided to support the taxes used in subject expense payment. Property is new construction and the taxes used appear to be based on unimproved land. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Please see the corrected note ,we needed to get the PPP updated to 24 months with 6 months interest - Seller-07/17/2025 <br> Ready for Review-Document Uploaded. Per UW, she updated the taxes in system I've uploaded the updated 1008 and the application. <br>Per our guidelines for new construction, we use Purchase price xxxxxx x tax rate of 1.45% xxxxxx / 12 months = xxxxxx The tax rate is on the tax cert in file<br> - Seller-07/16/2025 | Resolved-Document provided unrelated to finding originally resolved on 07/16/25. - Due Diligence Vendor-07/22/2025 | DSCR % greater than 1.20 - Qualifying DSCR is 1.25.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 13 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840588 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840628 | xxxxxx B A | Closed | xxxxxx | 2025-06-25 09:35 | 2025-06-25 09:35 | 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-06/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-06/25/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Over $165k residual<br>Qualifying DTI below maximum allowed - 6.53% Qualifying DTI below 50% maximum allowed<br>On time mortgage history exceeds guideline requirement - 0x30x76 On time mortgage history exceeds guideline requirement 0x30x12 |  | 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 |
| 840668 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840918 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841247 | xxxxxx D A | Closed | xxxxxx | 2025-08-14 14:59 | 2025-08-21 16:29 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Per LOE Received - LLC has word xxxxxx in it as they xxxxxx - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-Guidelines require that to vest ownership in an Entity, business purpose and activities are limited to ownership and management of real estate. Missing confirmation that vesting LLC, Professionals in xxxxxx, meets guideline requirements. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 | Resolved-Per LOE Received - LLC has word xxxxxx in it as they xxxxxx - Due Diligence Vendor-08/21/2025 | On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history.<br>Months Reserves exceed minimum required - 108.99 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841247 | xxxxxx D A | Closed | xxxxxx | 2025-08-14 14:35 | 2025-08-21 16:28 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Signature Affidavit and AKA Statement provided - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-Property Title Issue 1. Missing evidence that Schedule B I #7 (delinquent 2024 taxes) was deleted. 2. Missing a/k/a that xxxxxx are one and the same. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 | Resolved-Signature Affidavit and AKA Statement provided - Due Diligence Vendor-08/21/2025 | On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history.<br>Months Reserves exceed minimum required - 108.99 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841247 | xxxxxx D A | Closed | xxxxxx | 2025-08-14 14:57 | 2025-08-21 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary has been provided - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-Missing Approval/Underwriting Summary Missing Loan approval - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 | Resolved-Approval/Underwriting Summary has been provided - Due Diligence Vendor-08/21/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history.<br>Months Reserves exceed minimum required - 108.99 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841541 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 14:59 | 2025-08-13 10:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator provided a waiver sq ft of xxxxxx unit <400 sq ft, applied to non material finding with comp factors. Appraisal comparables contain units of similar size and is typical for area and creates no marketability concern. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Revised appraisal uploaded - Seller-08/12/2025 <br> Counter-Received revised commentary from appraiser. 1025 report reflects as a xxxxxx unit with ADU. Opinion of Market Rent reflects xxxxxx units. Sketch reflects Unit xxxxxx, additional living area with sq ft xxxxxx sq ft. Final inspection reflects as xxxxxx. Appraiser to clarify the following: (1.) What is unit xxxxxx, unit xxxxxx and unit xxxxxx-sketch to label. (2.) What is the ADU-sketch to label. (3.) Missing photos of xxxxxx for Unit xxxxxx. (4) Confirm Opinion of Market of Rent for each - report reflects highest rents considered for xxxxxx square unit. (5) Sketch reflects unit xxxxxx as xxxxxx square feet with xxxxxx-this does not meet the definition of ADU nor additional unit-appraiser to clarify and confirm xxxxxx for xxxxxx sq ft unit. (5) 1004d photos are labeled as xxxxxx. Appraiser to clarify. - additional conditions may apply. Received waiver for sq ft of unit-to be considered once appraisal received. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Update appraisal uploaded - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. PC exception uploaded for square feet, please use this one. - Seller-07/29/2025 <br> Ready for Review-incorrect PC exception - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. PC exception uploaded - Seller-07/29/2025 <br> Open-Property Issues are identified for the property Appraisal is missing photos of all unit xxxxxx. <br> Appraisal cannot be both attached and detached, and should not be xxxxxx unit with ADU. <br> Appraisal type 1025 must be xxxxxx unit either attached or detached. <br> Minimum square footage for each unit per guides is xxxxxx square feet. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Revised appraisal uploaded - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. Update appraisal uploaded - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. PC exception uploaded for square feet, please use this one. - Seller-07/29/2025 <br> Ready for Review-incorrect PC exception - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. PC exception uploaded - Seller-07/29/2025 | Waived-Originator provided a waiver sq ft of xxxxxx unit <400 sq ft, applied to non material finding with comp factors. Appraisal comparables contain units of similar size and is typical for area and creates no marketability concern. - Due Diligence Vendor-11/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 75 months. | FICO: 10 points above minimum required<br> Reserves; 75 months>6 months required<br> Experience investor | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 841541 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 15:19 | 2025-08-13 10:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Property 1: Missing Market Rent Schedule | Resolved-Received corrected 1075 reflecting correct xxxxxx for each unit. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Revised appraisal uploaded - Seller-08/12/2025 <br> Counter-Per lender, finding to remain open. Pending new documentation. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-incorrect PC exception - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. PC exception uploaded - Seller-07/29/2025 <br> Open-Market rent for vacant unit does not seem accurate as the vacant unit would be the xxxxxx square foot xxxxxx, and the appraiser gave the highest rent to that unit. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Revised appraisal uploaded - Seller-08/12/2025 <br> Ready for Review-incorrect PC exception - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. PC exception uploaded - Seller-07/29/2025 | Resolved-Received corrected 1075 reflecting correct xxxxxx for each unit. - Due Diligence Vendor-08/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 75 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841541 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 14:42 | 2025-08-13 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received updated HOI reflecting ADU coverage and proof premium increase paid in full. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Uploaded updated HOI, RCEs & invoice - Seller-08/12/2025 <br> Counter-Per lender, pending documentation. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-incorrect PC exception - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. PC exception uploaded - Seller-07/29/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Based on the declarations and replacement cost estimate provided, the policy appears to cover only xxxxxx. Replacement cost and required coverage is likely higher now that the property is converted to xxxxxx units. Documentation is either incomplete or coverage is inadequate. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Uploaded updated HOI, RCEs & invoice - Seller-08/12/2025 <br> Ready for Review-incorrect PC exception - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. PC exception uploaded - Seller-07/29/2025 | Resolved-Received updated HOI reflecting ADU coverage and proof premium increase paid in full. - Due Diligence Vendor-08/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 75 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841541 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 15:11 | 2025-08-11 10:33 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received VOR. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. VOR uploaded - Seller-08/07/2025 <br> Counter-Received VOM on subject-missing Verification of Rent (VOR) Document is Missing for primary residence. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. uploaded VOM - Seller-07/31/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Rent (VOR) Document is Missing for primary residence. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. VOR uploaded - Seller-08/07/2025 <br> Ready for Review-Document Uploaded. uploaded VOM - Seller-07/31/2025 | Resolved-Received VOR. - Due Diligence Vendor-08/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 75 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841541 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 14:30 | 2025-07-30 10:51 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title endorsement confirming xxxxxx unit property. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-updated Location Endorsement for a title. It shows xxxxxx family. This was uploaded 7/24, Location Endorsement - Seller-07/25/2025 <br> Open-Property Title Issue The title lists the property as a xxxxxx family residence but it has been converted to a xxxxxx unit. - Due Diligence Vendor-07/11/2025 | Ready for Review-updated Location Endorsement for a title. It shows xxxxxx family. This was uploaded 7/24, Location Endorsement - Seller-07/25/2025 | Resolved-Received title endorsement confirming xxxxxx unit property. - Due Diligence Vendor-07/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 75 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841541 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 14:30 | 2025-07-30 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received confirmation the new units will not effect the taxes and will not be assessed until September. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Please see the comments from our Regional UW and County for prop taxes - Seller-07/29/2025 <br> Ready for Review-PC exception uploaded - Seller-07/29/2025 <br> Open-Missing Evidence of Property Tax Documentation in file is based on prior improved value as a xxxxxx family residence. The property has been converted to a xxxxxx unit. No documentation to support estimated taxes. new improvement taxes, or evidence they will remain the same. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Please see the comments from our Regional UW and County for prop taxes - Seller-07/29/2025 <br> Ready for Review-PC exception uploaded - Seller-07/29/2025 | Resolved-Received confirmation the new units will not effect the taxes and will not be assessed until September. - Due Diligence Vendor-07/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 75 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841541 | xxxxxx D B A | Closed | xxxxxx | 2025-07-11 14:37 | 2025-07-24 10:42 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. CDA uploaded - Seller-07/22/2025 <br> Open-Additional valuation product has not been provided. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. CDA uploaded - Seller-07/22/2025 | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-07/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 729 is more than 20 points higher than the guideline min of 700.<br>Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 75 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841580 | xxxxxx D A | Closed | xxxxxx | 2025-08-06 14:17 | 2025-08-22 09:12 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct HOI. - Due Diligence Vendor-08/22/2025 <br> Counter-Review did not receive upload-please re upload corrected HOI policy. - Due Diligence Vendor-08/14/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursed xxxxxx - Due Diligence Vendor-08/06/2025 |  | Resolved-Received correct HOI. - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 vs. min FICO 660<br>LTV is less than guideline maximum - 60.84% vs. max LTV of 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841580 | xxxxxx D A | Closed | xxxxxx | 2025-08-06 14:30 | 2025-08-18 09:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received account printouts reflecting sufficient assets and reserves. - Due Diligence Vendor-08/18/2025 <br> Counter-Received asset reconciliation-review has considered the following: xxxxxxxx $47,314.88 dated 6/30 and xxxxxxxx $142,642.73 dated 7/16-validation short closing funds of $5,529.21 and required reserves 4,713.62. Please clarify finding remains. - Due Diligence Vendor-08/12/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Borrower is short assets for cash to close and reserves - Due Diligence Vendor-08/06/2025 |  | Resolved-Received account printouts reflecting sufficient assets and reserves. - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 vs. min FICO 660<br>LTV is less than guideline maximum - 60.84% vs. max LTV of 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841580 | xxxxxx D A | Closed | xxxxxx | 2025-08-06 14:24 | 2025-08-18 09:27 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received account printouts reflecting sufficient assets and reserves. - Due Diligence Vendor-08/18/2025 <br> Counter-Received asset reconciliation-review has considered the following: xxxxxxxx $47,314.88 dated 6/30 and xxxxxxxx $142,642.73 dated 7/16-validation short closing funds of $5,529.21 and required reserves 4,713.62. Please clarify finding remains. - Due Diligence Vendor-08/12/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-5529.21'. Assets are Insufficient. Borrower is short assets for cash to close and reserves - Due Diligence Vendor-08/06/2025 |  | Resolved-Received account printouts reflecting sufficient assets and reserves. - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 vs. min FICO 660<br>LTV is less than guideline maximum - 60.84% vs. max LTV of 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841580 | xxxxxx D A | Closed | xxxxxx | 2025-08-06 14:59 | 2025-08-12 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-08/12/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose disclosure - Due Diligence Vendor-08/06/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 vs. min FICO 660<br>LTV is less than guideline maximum - 60.84% vs. max LTV of 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841685 | xxxxxx C A | Closed | xxxxxx | 2025-08-21 13:40 | 2025-10-02 10:13 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-The lender confirmed this is an internal code for the seller's system and is not a loan exception. - Due Diligence Vendor-10/02/2025 <br> Counter-Provide approval, 1008 loan summary or other documentation confirming internal code exception met as noted within guidelines for mixed-use properties. - Due Diligence Vendor-09/24/2025 <br> Open-Subject property is mixed use property with xxxxxx units. Guiidelines state to apply internal exception focode 1044.13. Missing documentation suppoort internal exception code 1044.13. - Due Diligence Vendor-08/21/2025 |  | Resolved-The lender confirmed this is an internal code for the seller's system and is not a loan exception. - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - 84.01 months reserves; 6 months reserves required<br>DSCR % greater than 1.20 - Qualifying DSCR 1.249; guidelines require 1.00 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841685 | xxxxxx C A | Closed | xxxxxx | 2025-08-21 13:12 | 2025-09-29 12:17 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received 1-4 Family rider with intent to re record. - Due Diligence Vendor-09/29/2025 <br> Open-The Deed of Trust is Incomplete Subject is an investment propertyt, missing the required 1-4 family rider. - Due Diligence Vendor-08/21/2025 |  | Resolved-Received 1-4 Family rider with intent to re record. - Due Diligence Vendor-09/29/2025<br>| Months Reserves exceed minimum required - 84.01 months reserves; 6 months reserves required<br>DSCR % greater than 1.20 - Qualifying DSCR 1.249; guidelines require 1.00 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841685 | xxxxxx C A | Closed | xxxxxx | 2025-08-21 13:28 | 2025-09-18 12:43 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received OFAC - Due Diligence Vendor-09/18/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Fraud report reflects a possible match for xxxxxx on the OFAC list. No documentastion provided to support the OFAC has been checked. - Due Diligence Vendor-08/21/2025 |  | Resolved-Received OFAC - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - 84.01 months reserves; 6 months reserves required<br>DSCR % greater than 1.20 - Qualifying DSCR 1.249; guidelines require 1.00 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841857 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 15:08 | 2025-10-16 10:48 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received legible copy of the Appraisal. - Due Diligence Vendor-10/16/2025 <br> Counter-Appraisal provided is not legible. Cut off on the right side. - Due Diligence Vendor-10/08/2025 <br> Open-Appraisal is Missing Missing appraisal dated xxxxxx by xxxxxx xxxxxx with value of xxxxxx. Please provide the appraisal with the aforementioned details. If there is a different appraisal, please provide, along with a corresponding secondary valuation within guideline requirements. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received legible copy of the Appraisal. - Due Diligence Vendor-10/16/2025 | CLTV is less than guidelines maximum - 48.56% vs. max CLTV 90%<br>Qualifying DTI below maximum allowed - 31.01% DTI vs. max DTI 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841857 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 15:25 | 2025-10-08 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-10/08/2025 | CLTV is less than guidelines maximum - 48.56% vs. max CLTV 90%<br>Qualifying DTI below maximum allowed - 31.01% DTI vs. max DTI 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841857 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 10:34 | 2025-10-08 09:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation of no Affiliated Business, finding Resolved - Due Diligence Vendor-10/08/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. (Affiliate status of provider used for Closing Protection Letter is unclear).<br> - Due Diligence Vendor-10/02/2025 |  | Resolved-Received attestation of no Affiliated Business, finding Resolved - Due Diligence Vendor-10/08/2025 | CLTV is less than guidelines maximum - 48.56% vs. max CLTV 90%<br>Qualifying DTI below maximum allowed - 31.01% DTI vs. max DTI 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842079 | xxxxxx C A | Closed | xxxxxx | 2025-08-11 17:22 | 2025-08-27 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received invoice, scope of work and confirmation of warranty-purchase contract addendum reflects buyer received. - Due Diligence Vendor-08/27/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Per Purchase contract #21 pdg 406- missing documentation of waterproofing and transferrable warranty to buyer prior to closing. per pdf 411 Seller confirmed xxxxxx in accordance with terms of on contract.<br> Only missing warranty. - Due Diligence Vendor-08/11/2025 |  | Resolved-Received invoice, scope of work and confirmation of warranty-purchase contract addendum reflects buyer received. - Due Diligence Vendor-08/27/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.927; minimum DSCR 0.75.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 723 ; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842079 | xxxxxx C A | Closed | xxxxxx | 2025-08-11 17:31 | 2025-08-27 10:30 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received evidence of HOI on primary residence reflecting no loss payee-supporting owned free and clear. - Due Diligence Vendor-08/27/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- missing Property profile for Primary residence is required per guides if its free & clear. see guides page 12. - Due Diligence Vendor-08/11/2025 |  | Resolved-Received evidence of HOI on primary residence reflecting no loss payee-supporting owned free and clear. - Due Diligence Vendor-08/27/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.927; minimum DSCR 0.75.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 723 ; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842191 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 11:02 | 2025-07-10 13:12 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-After looking at all the business docs and personal guaranty, both owners of company own 50% and they both signed the guaranty - this is acceptable under guidelines - Due Diligence Vendor-07/10/2025 <br> Counter-There is only one borrower on this loan the finding remains. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Both borrowers are owners of the company, we have 100% ownership. Please clear finding. - Seller-07/09/2025 <br> Open-The Business Entity Formation Document is incomplete The business entity documentation identified in the file shows the borrower as 50% owner of the business entity. Per the applicable guidelines total ownership of the LLC must be greater than 50% for the borrower in the case of foreign nationals. - Due Diligence Vendor-06/30/2025 | Ready for Review-Both borrowers are owners of the company, we have 100% ownership. Please clear finding. - Seller-07/09/2025 | Resolved-After looking at all the business docs and personal guaranty, both owners of company own 50% and they both signed the guaranty - this is acceptable under guidelines - Due Diligence Vendor-07/10/2025 | LTV is less than guideline maximum - 70% allowed, 60% for subject <br> Qualifying FICO score is at least 20 points above minimum for program - Fico required 620, estimated fico score for foreign national 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842191 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 10:57 | 2025-07-09 17:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Email provided from appraisal company regarding the increase in rental income. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. See email regarding the comp rent amount going up, please clear finding. - Seller-07/09/2025 <br> Open-The appraiser increased the estimated rent from $1,900 to $2,000 with no explanation. An addendum addressing the increase is required. Additional stipulations may apply. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. See email regarding the comp rent amount going up, please clear finding. - Seller-07/09/2025 | Resolved-Email provided from appraisal company regarding the increase in rental income. - Due Diligence Vendor-07/09/2025 | LTV is less than guideline maximum - 70% allowed, 60% for subject <br> Qualifying FICO score is at least 20 points above minimum for program - Fico required 620, estimated fico score for foreign national 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842191 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 09:02 | 2025-07-07 15:10 | Resolved | 1 - Information C A | Credit | Eligibility | Leasehold does not meet guideline requirement | Resolved-Received updated Title, stating Fee Simple. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Per title the report showing leasehold was in error, see amended report showing fee simple. Please clear finding. - Seller-07/03/2025 <br> Open-Does the leasehold meet guideline requirements? If it does meet the requirements, update the condition status to Rescinded. The title identifies the subject property as a leasehold. The documentation of the leasehold was not identified in the file. The appraiser misidentifies the subject as fee simple with all the comparable sales being fee simple. Per the applicable guidelines the comparable sales must be leasehold properties. Since the leasehold documentation was not identified in the file additional stipulations may apply. - Due Diligence Vendor-06/30/2025 | Ready for Review-Per title the report showing leasehold was in error, see amended report showing fee simple. Please clear finding. - Seller-07/03/2025 | Resolved-Received updated Title, stating Fee Simple. - Due Diligence Vendor-07/07/2025 | LTV is less than guideline maximum - 70% allowed, 60% for subject <br> Qualifying FICO score is at least 20 points above minimum for program - Fico required 620, estimated fico score for foreign national 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842191 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 09:02 | 2025-07-07 15:10 | Resolved | 1 - Information C A | Credit | Eligibility | Leasehold document missing | Resolved-Received updated Title, stating Fee Simple. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Per title the report showing leasehold was in error, see amended report showing fee simple. Please clear finding. - Seller-07/03/2025 <br> Open-The Leasehold document is missing from file. The title in file shows the subject property as being in a leasehold. No copy of the leasehold documentation was identified in the file. Per the appraisal and the application the transaction was identified as Fee Simple. It is not clear that it was known that the property is a leasehold from the documentation in the file. - Due Diligence Vendor-06/30/2025 | Ready for Review-Per title the report showing leasehold was in error, see amended report showing fee simple. Please clear finding. - Seller-07/03/2025 | Resolved-Received updated Title, stating Fee Simple. - Due Diligence Vendor-07/07/2025 | LTV is less than guideline maximum - 70% allowed, 60% for subject <br> Qualifying FICO score is at least 20 points above minimum for program - Fico required 620, estimated fico score for foreign national 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842191 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 11:42 | 2025-07-07 14:59 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated Title, stating Fee Simple. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Per title the report showing leasehold was in error, see amended report showing fee simple. Please clear finding. - Seller-07/03/2025 <br> Open-Appraiser states the property is fee simple - per title property is leasehold. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. Per title the report showing leasehold was in error, see amended report showing fee simple. Please clear finding. - Seller-07/03/2025 | Resolved-Received updated Title, stating Fee Simple. - Due Diligence Vendor-07/07/2025 | LTV is less than guideline maximum - 70% allowed, 60% for subject <br> Qualifying FICO score is at least 20 points above minimum for program - Fico required 620, estimated fico score for foreign national 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842201 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842214 | xxxxxx C A | Closed | xxxxxx | 2025-06-30 12:01 | 2025-07-07 15:13 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Document provided, please clear finding. - Seller-07/03/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. Document provided, please clear finding. - Seller-07/03/2025 | Resolved-Received Legal Description. - Due Diligence Vendor-07/07/2025 | LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 785 is higher than the required 720 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842218 | xxxxxx D A | Closed | xxxxxx | 2025-06-06 09:27 | 2025-06-17 17:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received updated preliminary title reflecting final loan amount. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. please find corrected prelim. - Seller-06/16/2025 <br> Open-Title Document is Incomplete Provide Supplement report with the correct loan amount. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. please find corrected prelim. - Seller-06/16/2025 | Resolved-Received updated preliminary title reflecting final loan amount. - Due Diligence Vendor-06/17/2025 | LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 784 is higher than the required 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842220 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 842221 | xxxxxx C A | Closed | xxxxxx | 2025-06-25 17:26 | 2025-06-30 16:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Mortgage with legal description provided, please clear finding. - Seller-06/27/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The legal description was not attached to the mortgage. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Mortgage with legal description provided, please clear finding. - Seller-06/27/2025 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-06/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 804. <br>Months Reserves exceed minimum required - 6 months required, 99 months verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842223 | xxxxxx C A | Closed | xxxxxx | 2025-06-12 14:42 | 2025-06-17 16:56 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received EIN. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. EIN provided, please clear finding. - Seller-06/14/2025 <br> Open-The Business Entity Formation Document is incomplete Missing Business Entity EIN - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. EIN provided, please clear finding. - Seller-06/14/2025 | Resolved-Received EIN. - Due Diligence Vendor-06/17/2025 | Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 68 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842223 | xxxxxx C A | Closed | xxxxxx | 2025-06-12 07:16 | 2025-06-17 16:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Complete mortgage provided, please clear finding. - Seller-06/14/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Complete mortgage provided, please clear finding. - Seller-06/14/2025 | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-06/17/2025 | Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 68 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842224 | xxxxxx C A | Closed | xxxxxx | 2025-06-26 07:39 | 2025-07-07 13:53 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI stating no damage. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. PDI provided, please clear finding. - Seller-07/03/2025 <br> Open-xxxxxx<br> Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx Individual Assistance xxxxxx <br>xxxxxx<br> Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx Individual Assistance xxxxxx <br> PDI Report required - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. PDI provided, please clear finding. - Seller-07/03/2025 | Resolved-Received PDI stating no damage. - Due Diligence Vendor-07/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 775 is higher than the required 700<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842224 | xxxxxx C A | Closed | xxxxxx | 2025-06-26 07:27 | 2025-07-07 13:49 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received complete prepayment rider (all pages) and Note. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Complete Note provided, please clear finding. - Seller-07/03/2025 <br> Counter-Received duplicate prepayment penalty rider-Please provide page 2 of Prepayment Note Addendum - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. Prepayment Rider provided, please clear finding. - Seller-06/30/2025 <br> Open-Missing page 2 to the Prepayment to the note - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Complete Note provided, please clear finding. - Seller-07/03/2025 <br> Ready for Review-Document Uploaded. Prepayment Rider provided, please clear finding. - Seller-06/30/2025 | Resolved-Received complete prepayment rider (all pages) and Note. - Due Diligence Vendor-07/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 775 is higher than the required 700<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842232 | xxxxxx D A | Closed | xxxxxx | 2025-06-12 12:09 | 2025-07-01 16:02 | Resolved | 1 - Information B A | Property | Property | FEMA disaster declared PUBLIC ONLY | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. Pdi for review. - Seller-06/30/2025 <br> Open-xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx Public Assistance in xxxxxx - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Pdi for review. - Seller-06/30/2025 | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-07/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 765 is higher than the required 720<br>Months Reserves exceed minimum required - 14.95 months reserves exceed required 6 by 8.95 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842232 | xxxxxx D A | Closed | xxxxxx | 2025-06-12 12:09 | 2025-07-01 16:02 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. please find the PDI - Seller-06/30/2025 <br> Open-xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx Individual Assistance in xxxxxx - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. please find the PDI - Seller-06/30/2025 | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-07/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 765 is higher than the required 720<br>Months Reserves exceed minimum required - 14.95 months reserves exceed required 6 by 8.95 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842232 | xxxxxx D A | Closed | xxxxxx | 2025-06-12 12:26 | 2025-06-23 15:15 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received desk review. - Due Diligence Vendor-06/23/2025 <br> Ready for Review-Document Uploaded. please find the dvr - Seller-06/19/2025 <br> Open-Additional valuation product has not been provided. Property is a xxxxxx unit and CU has no score. Need a Desk Review - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. please find the dvr - Seller-06/19/2025 | Resolved-Received desk review. - Due Diligence Vendor-06/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 765 is higher than the required 720<br>Months Reserves exceed minimum required - 14.95 months reserves exceed required 6 by 8.95 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842236 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842238 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842242 | xxxxxx D B A | Closed | xxxxxx | 2025-06-28 08:04 | 2025-07-07 15:35 | Resolved | 1 - Information C A | Credit | Insurance | xxxxxx Coverage not met | Resolved-Received xxxxxx coverage/ Crime coverage and is sufficient. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Master HOI coverage provided, xxxxxx bon coverage is sufficient. Please clear finding. - Seller-07/02/2025 <br> Open-xxxxxx Coverage not met. The condo master policy in file (page 279) does not identify any xxxxxx or employee crime coverage. - Due Diligence Vendor-06/28/2025 | Ready for Review-Document Uploaded. Master HOI coverage provided, xxxxxx bon coverage is sufficient. Please clear finding. - Seller-07/02/2025 | Resolved-Received xxxxxx coverage/ Crime coverage and is sufficient. - Due Diligence Vendor-07/07/2025 | Months Reserves exceed minimum required - 6 months required, 84.9 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 772 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842242 | xxxxxx D B A | Closed | xxxxxx | 2025-06-28 10:28 | 2025-07-07 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received Business Entity EIN. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. EIN provided, please clear finding. - Seller-07/02/2025 <br> Open-Missing EIN # for LLC - Due Diligence Vendor-06/28/2025 | Ready for Review-Document Uploaded. EIN provided, please clear finding. - Seller-07/02/2025 | Resolved-Received Business Entity EIN. - Due Diligence Vendor-07/07/2025 | Months Reserves exceed minimum required - 6 months required, 84.9 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 772 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842242 | xxxxxx D B A | Closed | xxxxxx | 2025-06-28 07:38 | 2025-06-28 10:30 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Remaining equity is less than $40,000 which does not meet guideline requirement. Min equity of $34K at 80% LTV <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/28/2025 |  | Waived-Remaining equity is less than $40,000 which does not meet guideline requirement. Min equity of $34K at 80% LTV <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/28/2025 | Months Reserves exceed minimum required - 6 months required, 84.9 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 772 | # of months - reserves <br> ltv/cltv - 80/80<br> Fico - 772<br> # of tradelines - 13<br> years of monthy payments - 21<br> years at present adddress - 5<br> # f Months 0x30 payments - 60<br> Benefit to borrower - he will be submitting 9 more purchase like this after this one | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 842244 | xxxxxx D A | Closed | xxxxxx | 2025-06-30 13:11 | 2025-07-08 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received flood insurance policy. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Final flood insurance policy provided, please clear finding. - Seller-07/03/2025 <br> Open-Missing Flood Insurance Policy No flood ins was provided and is required per Flood Cert. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. Final flood insurance policy provided, please clear finding. - Seller-07/03/2025<br>| Resolved-Received flood insurance policy. - Due Diligence Vendor-07/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 774 is higher than the required 680<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842251 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842254 | xxxxxx C A | Closed | xxxxxx | 2025-06-13 17:58 | 2025-07-02 16:31 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received Invoice for improvments. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. improvement invoices were in original Tape, attached here please clear. - Seller-06/30/2025 <br> Counter-Review is unable to locate borrower documented xxxxxx in improvements-please provide. Additional conditions may apply. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-no manager approval required. Value is within guidelines. Per xxxxxx guidelines for xxxxxx > Property Seasoning > CashOut Refi "If the property was purchased 6 months ago or less, the loan amount will be limited to the purchase price plus documented improvements and new loan fees or 75% LTV of the appraised value, whichever is less." Propert purchased for xxxxxx + borrower documented xxxxxx in improvements = xxxxxx. Loan amount is less at xxxxxx which is also 75% ltv. Please clear finding. - Seller-06/20/2025 <br> Open-Provide proof of 2nd signature required by UW managers for: All LTVs equal to or greater than 75% on a cash out refinance. Property that has been purchased in the last 12 months and experiences a value increase of more than 100% of the purchase price. Per prior HUD, purchase price xxxxxx. Appraised value xxxxxx. Cash out amounts of more than 50% of total investment (defined as actual borrower funds; not financed). Original purchase price xxxxxx and Prior loan amount xxxxxx. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. improvement invoices were in original Tape, attached here please clear. - Seller-06/30/2025 <br> Ready for Review-no manager approval required. Value is within guidelines. Per xxxxxx guidelines for xxxxxx > Property Seasoning > CashOut Refi "If the property was purchased 6 months ago or less, the loan amount will be limited to the purchase price plus documented improvements and new loan fees or 75% LTV of the appraised value, whichever is less." Propert purchased for xxxxxx + borrower documented xxxxxx in improvements = xxxxxx. Loan amount is less at xxxxxx which is also 75% ltv. Please clear finding. - Seller-06/20/2025 | Resolved-Received Invoice for improvments. - Due Diligence Vendor-07/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 703 is at least 20 points above minimum for program 680.<br>Months Reserves exceed minimum required - 12 months available vs. 0 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842255 | xxxxxx C B A | Closed | xxxxxx | 2025-06-24 14:55 | 2025-07-02 16:27 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Upon further review, the loan file contained all required vested entity documentation. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Our guidelines do not require an EIN number when a loan is vested in an entity/LLC (LLC as borrower). please clear findings - Seller-06/30/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN Number - Due Diligence Vendor-06/24/2025 | Ready for Review-Our guidelines do not require an EIN number when a loan is vested in an entity/LLC (LLC as borrower). please clear findings - Seller-06/30/2025 | Resolved-Upon further review, the loan file contained all required vested entity documentation. - Due Diligence Vendor-07/02/2025 | Months Reserves exceed minimum required - 6 months required, subject 48 months verified. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR allowed to 0.75. Subject DSCR 1.02 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842255 | xxxxxx C B A | Closed | xxxxxx | 2025-06-23 17:10 | 2025-06-24 15:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow 75% LTV, Non-material waiver applied with comp factors. non-material due to Good tradelines and good credit. - Due Diligence Vendor-06/24/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% The loan qualifies for 70% LTV. There is an exception request in the file for a 5% LTV Exception. The request is as follows: 5% LTV exception for rate and term. 673 score our max is 70%. - Due Diligence Vendor-06/23/2025 |  | Waived-Originator exception granted to allow 75% LTV, Non-material waiver applied with comp factors. non-material due to Good tradelines and good credit. - Due Diligence Vendor-06/24/2025 | Months Reserves exceed minimum required - 6 months required, subject 48 months verified. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR allowed to 0.75. Subject DSCR 1.02 | Borrower is a conservative credit user. Not many<br> open trades which is impacting the score. Overall<br> good credit minor slow pays.<br> Borrower has owned the property since xxxxxx. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 842273 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 10:57 | 2025-11-10 11:59 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, xxxxxx is not required. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Per industry standards and xxxxxx requirements, a kitchen is required to have cabinets, countertop, a sink with running water and a stove or stove hookup to be considered functional as a kitchen. A xxxxxx is not required please clear finding. - Seller-07/02/2025 <br> Open-Property Issues are identified for the property The subject does not have a xxxxxx per appraisal and pictures. - Due Diligence Vendor-06/16/2025 | Ready for Review-Per industry standards and xxxxxx requirements, a kitchen is required to have cabinets, countertop, a sink with running water and a stove or stove hookup to be considered functional as a kitchen. A xxxxxx is not required please clear finding. - Seller-07/02/2025 | Resolved-After further review, a xxxxxx is not required. - Due Diligence Vendor-11/10/2025 | Credit history exceeds minimum required - 12 months A-pay mortgage payment history required, subject has 36 months A-pay mortgage history. <br>Qualifying FICO score is at least 20 points above minimum for program - 620 required, 766 verified |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842273 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 10:44 | 2025-07-02 13:47 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Chain of title provided. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-xxxxxx owns this property, and xxxxxx is owned by xxxxxx. xxxxxx is 75% owned by xxxxxx, and the other 25% is owned by her spouse. the LLC docs and Grant suffice to clear, please clear findings. - Seller-07/01/2025 <br> Counter-Documentation received is insufficient-missing 24 months chain of title, acceptable confirmation of borrowers ownership in vested LLC reflecting on title. Original finding remains. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. - Seller-06/23/2025 <br> Open-Property Title Issue The borrower signed the Deed of Trust and Note as an individual. The title is currently held by an LLC. No copy of the LLC documentation showing the borrower held title through the LLC or had the authority to refinance the property was identified in the file. Copies of the LLC documentation are required. Additional conditions may apply. - Due Diligence Vendor-06/16/2025 | Ready for Review-xxxxxx owns this property, and xxxxxx is owned by xxxxxx. xxxxxx is 75% owned by xxxxxx, and the other 25% is owned by her spouse. the LLC docs and Grant suffice to clear, please clear findings. - Seller-07/01/2025 <br> Ready for Review-Document Uploaded. - Seller-06/23/2025 | Resolved-Chain of title provided. - Due Diligence Vendor-07/02/2025 | Credit history exceeds minimum required - 12 months A-pay mortgage payment history required, subject has 36 months A-pay mortgage history. <br>Qualifying FICO score is at least 20 points above minimum for program - 620 required, 766 verified |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842273 | xxxxxx C A | Closed | xxxxxx | 2025-06-16 11:25 | 2025-06-25 16:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received HUD-1 from other property refinance reflecting sufficient reserves. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. bwr refinanced 2 other properties here is final SS from one for reserves. - Seller-06/23/2025 <br> Open-Audited Reserves of 2.4 month(s) are less than Guideline Required Reserves of 3 month(s) 3 months reserves are required. 2.4 months reserves were required. Reserves do not meet requirements. No additional reserves were identified in the file. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. bwr refinanced 2 other properties here is final SS from one for reserves. - Seller-06/23/2025 | Resolved-Received HUD-1 from other property refinance reflecting sufficient reserves. - Due Diligence Vendor-06/25/2025 | Credit history exceeds minimum required - 12 months A-pay mortgage payment history required, subject has 36 months A-pay mortgage history. <br>Qualifying FICO score is at least 20 points above minimum for program - 620 required, 766 verified |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842280 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842284 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842285 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842495 | xxxxxx C A | Closed | xxxxxx | 2025-08-15 13:37 | 2025-08-21 16:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Added xxxxxx - Per LOE from xxxxxx Opened 6/24/25 with NO Transaction from 6/24/25 thru 7/7/2025. Transaction History from 7/7/25 - 7/23/25 completes 30-Day statement/transaction history - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-Audited Reserves of 1.81 month(s) are less than Guideline Required Reserves of 6 month(s) Missing statement from xxxxxx - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 | Resolved-Added xxxxxx Bank - Per LOE from xxxxxx Opened 6/24/25 with NO Transaction from 6/24/25 thru 7/7/2025. Transaction History from 7/7/25 - 7/23/25 completes 30-Day statement/transaction history - Due Diligence Vendor-08/21/2025 | LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.119 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842495 | xxxxxx C A | Closed | xxxxxx | 2025-08-15 09:10 | 2025-08-21 16:20 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-RCE Uploaded - Coverage is Sufficient - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025 | Resolved-RCE Uploaded - Coverage is Sufficient - Due Diligence Vendor-08/21/2025 | LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.119 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842501 | xxxxxx C A | Closed | xxxxxx | 2025-08-11 14:34 | 2025-08-15 15:13 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received confirmation new account opened-foreign assets validated for source. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. this is a new bank account - Seller-08/14/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing 1 month transaction from xxxxxx being used for funds to close. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. this is a new bank account - Seller-08/14/2025 | Resolved-Received confirmation new account opened-foreign assets validated for source. - Due Diligence Vendor-08/15/2025 | LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.104 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842501 | xxxxxx C A | Closed | xxxxxx | 2025-08-11 14:06 | 2025-08-15 15:10 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received master insurance reflecting sufficient coverage. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. sufficient coverage, please see the cert attached - Seller-08/14/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. sufficient coverage, please see the cert attached - Seller-08/14/2025 | Resolved-Received master insurance reflecting sufficient coverage. - Due Diligence Vendor-08/15/2025 | LTV is less than guideline maximum - LTV 70% max 75%.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.104 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842523 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842621 | xxxxxx C B A | Closed | xxxxxx | 2025-08-11 06:16 | 2025-08-18 09:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/18/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-08/11/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/18/2025 | Months Reserves exceed minimum required - 43 months PITIA reserves; 2 months reserves required.<br>LTV is less than guideline maximum - LTV 60% max 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842621 | xxxxxx C B A | Closed | xxxxxx | 2025-08-06 17:18 | 2025-08-11 06:37 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client exception granted to allow C08 Visa status, Non-material waiver applied with comp factors. non-material due to LTV and reserves. - Due Diligence Vendor-08/11/2025 <br> Open-Lender Exception to allow for C08 Visa status. - Due Diligence Vendor-08/06/2025 |  | Waived-Client exception granted to allow C08 Visa status, Non-material waiver applied with comp factors. non-material due to LTV and reserves. - Due Diligence Vendor-08/11/2025 | Months Reserves exceed minimum required - 43 months PITIA reserves; 2 months reserves required.<br>LTV is less than guideline maximum - LTV 60% max 75% | LTV/CLTV 10% or more below max allowed<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 |
| 842636 | xxxxxx C A | Closed | xxxxxx | 2025-08-08 10:45 | 2025-08-19 09:32 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received acquisition Warranty Deed completing 24 month chain of title - Due Diligence Vendor-08/19/2025 <br> Open-Unsatisfactory Chain of Title provided. Unable to confirm Chain of Title. Missing the original date of purchase/Acquired. - Due Diligence Vendor-08/08/2025 |  | Resolved-Received acquisition Warranty Deed completing 24 month chain of title - Due Diligence Vendor-08/19/2025 | LTV is less than guideline maximum - LTV 62% LTV. Allowed 70%<br>Months Reserves exceed minimum required - 119 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842683 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842796 | xxxxxx C B A | Closed | xxxxxx | 2025-09-17 14:03 | 2025-10-08 08:43 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx, finding resolved. - Due Diligence Vendor-10/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $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). - Due Diligence Vendor-10/08/2025 |  | Resolved-Received COC xxxxxx, finding resolved. - Due Diligence Vendor-10/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - 744 FICO, 680 required<br>Months Reserves exceed minimum required - 44 Months reserves documented, 6 months required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842796 | xxxxxx C B A | Closed | xxxxxx | 2025-09-22 17:57 | 2025-09-22 18:04 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client exception granted to allow for 1 NSF in the last 3 months and total of 5 in the last 12 months. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/22/2025 <br> Open-If there are one (1) or more occurrences in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period. NSFs showing on business bank statements used for income qualification. Borrower's business account shows 1 NSF in the last 3 months and total of 5 in the last 12 months. Lender Exception in file. - Due Diligence Vendor-09/22/2025 |  | Waived-Client exception granted to allow for 1 NSF in the last 3 months and total of 5 in the last 12 months. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - 744 FICO, 680 required<br>Months Reserves exceed minimum required - 44 Months reserves documented, 6 months required | 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 |
| 842796 | xxxxxx C B A | Closed | xxxxxx | 2025-09-17 13:06 | 2025-09-17 14:15 | 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-09/17/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material Findings - Due Diligence Vendor-09/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - 744 FICO, 680 required<br>Months Reserves exceed minimum required - 44 Months reserves documented, 6 months required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842810 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843037 | xxxxxx C A | Closed | xxxxxx | 2025-08-13 19:33 | 2025-08-22 09:23 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ratified ACH form. - Due Diligence Vendor-08/22/2025 <br> Counter-Attached document will not open. - Due Diligence Vendor-08/21/2025 <br> Open-Foreign National but the ACH form is Missing from file. ACH Missing - Due Diligence Vendor-08/13/2025 |  | Resolved-Received ratified ACH form. - Due Diligence Vendor-08/22/2025 | LTV is less than guideline maximum - 75% LTV maximum - loan has 63% LTV<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.076 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843577 | xxxxxx C A | Closed | xxxxxx | 2025-07-29 16:17 | 2025-08-22 09:30 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower has outstanding judgements according to the 1003 Declaration | Resolved-Received LOE and corrected 1003 confirming no judgments. - Due Diligence Vendor-08/22/2025 <br> Counter-Received LOE confirming no judgments and marked in error-please provide corrected final 1003 - no signature necessary. - Due Diligence Vendor-08/19/2025 <br> Open-Borrower has outstanding judgements according to the 1003 Declaration. no documentation provided to support outstanding judgements. - Due Diligence Vendor-07/30/2025 |  | Resolved-Received LOE and corrected 1003 confirming no judgments. - Due Diligence Vendor-08/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 738 vs program min required of 700 <br>LTV is less than guideline maximum - LTV is 62% vs program max allowed to 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843589 | xxxxxx D A | Closed | xxxxxx | 2025-08-14 11:59 | 2025-08-18 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received all pages of the Closing Disclosure. - Due Diligence Vendor-08/18/2025 <br> Open-Missing Page 3 - Due Diligence Vendor-08/14/2025 |  | Resolved-Received all pages of the Closing Disclosure. - Due Diligence Vendor-08/18/2025 | Months Reserves exceed minimum required - 26.18 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843589 | xxxxxx D A | Closed | xxxxxx | 2025-08-07 15:19 | 2025-08-18 09:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received 1-4 Family Rider and Condominium Rider - Due Diligence Vendor-08/18/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----Missing 1-4 Family Rider and Condominium Rider. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received 1-4 Family Rider and Condominium Rider - Due Diligence Vendor-08/18/2025 | Months Reserves exceed minimum required - 26.18 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843592 | xxxxxx C B A | Closed | xxxxxx | 2025-08-02 12:31 | 2025-08-25 14:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Document Uploaded. Client Waiver applied to Non-Material Finding with Comp Factors. The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-08/25/2025 <br> Counter-Received property profiles-properties acquired xxxxxx and xxxxxx. Must meet guidelines Section 7. Finding remains. - Due Diligence Vendor-08/15/2025 <br> Counter-Property Detail report provided, however it support < 12 months ownership. - Due Diligence Vendor-08/12/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Borrower has not owned rental properties for more than 1 year (verified from property detail reports). Per guidelines borrower must own primary home for 1 year when qualifying as a First Time Investor. Property detail report provided for borrowers primary home shows primary home purchased xxxxxx (less than 1 year). Audit is unable to verify borrower has owned a primary home for at least 1 year. - Due Diligence Vendor-08/02/2025 |  | Waived-Document Uploaded. Client Waiver applied to Non-Material Finding with Comp Factors. The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-08/25/2025 | Credit history exceeds minimum required - Good credit history of 60 months.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 91 months. | Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - ST - DSCR exceeds minimum requirement under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 843594 | xxxxxx D B A C | Closed | xxxxxx | 2025-08-17 09:58 | 2025-08-28 12:35 | 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, the flood notice is not required. - Due Diligence Vendor-08/28/2025 <br> Counter-Received confirmation Loan Agreement contains insurance requirements-missing Special Flood Hazard Disclosure-form provided by Flood determination company (attached to flood cert). - Due Diligence Vendor-08/22/2025 <br> Open-Subject Property is in Flood Zone A1-A30 but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-08/17/2025 |  | Resolved-After further review, the flood notice is not required. - Due Diligence Vendor-08/28/2025 | DSCR % greater than 1.20 - DSCR 1.422<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 793 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843594 | xxxxxx D B A C | Closed | xxxxxx | 2025-08-18 12:54 | 2025-08-22 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved-Received final HUD reflecting all escrowed. - Due Diligence Vendor-08/22/2025 <br> Open-Per guidelines, all loans require escrows. Per Closing Statement, taxes and flood insurance were not escrowed - Due Diligence Vendor-08/18/2025 |  | Resolved-Received final HUD reflecting all escrowed. - Due Diligence Vendor-08/22/2025 | DSCR % greater than 1.20 - DSCR 1.422<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 793 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843594 | xxxxxx D B A C | Closed | xxxxxx | 2025-08-14 07:56 | 2025-08-22 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | ARM Disclosure Missing | Resolved-Received ARM documentation within ARM Rider. - Due Diligence Vendor-08/22/2025 <br> Open-Missing the ARM rider - Due Diligence Vendor-08/14/2025 |  | Resolved-Received ARM documentation within ARM Rider. - Due Diligence Vendor-08/22/2025 | DSCR % greater than 1.20 - DSCR 1.422<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 793 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843594 | xxxxxx D B A C | Closed | xxxxxx | 2025-08-18 08:20 | 2025-08-18 12:55 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/11/2025 <br> Open-The subject is pre-existing non-complying with regards to xxxxxx xxxxxxregulation and appraisal confirms property may be rebuilt to its current state within 12 months of damage. Exception to proceed with property being grandfathered in and non-conforming in regard to xxxxxx xxxxxxregulation. - Due Diligence Vendor-11/11/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/11/2025 | DSCR % greater than 1.20 - DSCR 1.422<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 793 FICO | DSCR greater than 1.3<br> Experienced investor owns and manages 5 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843625 | xxxxxx C B A | Closed | xxxxxx | 2025-10-21 13:12 | 2025-10-28 07:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-10/28/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,900.00) exceed the comparable charges ($1,700.00) 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 - Redemption Cert Fee, Abstract / Title Search Fee, Lender Title Insurance) increased by $30.00 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 $30.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of limitations 3 years. Expiration date xxxxxx. <br> - Due Diligence Vendor-10/21/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-10/28/2025 | Months Reserves exceed minimum required - Reserves = 51.71 months – Required Reserves = 3 Months<br>LTV is less than guideline maximum - LTV = 75% - Max LTV = 80% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843625 | xxxxxx C B A | Closed | xxxxxx | 2025-10-21 12:38 | 2025-10-21 14:31 | 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.<br> - Due Diligence Vendor-10/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/21/2025<br>| Months Reserves exceed minimum required - Reserves = 51.71 months – Required Reserves = 3 Months<br>LTV is less than guideline maximum - LTV = 75% - Max LTV = 80% |  | 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 |
| 843729 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843765 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 843771 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843824 | xxxxxx C A | Closed | xxxxxx | 2025-10-08 06:05 | 2025-10-10 09:55 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025 | Resolved------Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-10/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - 746 FICO, 680 required<br>Months Reserves exceed minimum required - 70 months reserves documented, 0 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843867 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843869 | xxxxxx C A | Closed | xxxxxx | 2025-08-21 06:15 | 2025-08-25 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Page 4 of Contract - Paragraph 8c indicates $25,000 Seller Incentive if not using Preferred Lender - Due Diligence Vendor-08/25/2025 <br> Counter-Reviewed 8c page 4 of purchase contract-4% seller contributions noted-Missing the Purchase Contract addendum reflecting seller paid fees in the amount of $20,000 (excluding the 5k EMD). - Due Diligence Vendor-08/25/2025 <br> Ready for Review-xxxxxx per the settlement agent: The buyer's wire confirmation was sent in the original email. Contract addendum is not needed for the $25k credit as it is part of the original contract page 4.<br>- Seller-08/22/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing the Purchase Contract addendum reflecting seller paid fees in the amount of $20,000 (excluding the 5k EMD). - Due Diligence Vendor-08/21/2025 | Ready for Review-xxxxxx per the settlement agent: The buyer's wire confirmation was sent in the original email. Contract addendum is not needed for the $25k credit as it is part of the original contract page 4.<br>- Seller-08/22/2025 | Resolved-Page 4 of Contract - Paragraph 8c indicates $25,000 Seller Incentive if not using Preferred Lender - Due Diligence Vendor-08/25/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.115<br>Long term residence - Long term residence for 15 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843907 | xxxxxx D A | Closed | xxxxxx | 2025-08-25 15:16 | 2025-08-29 09:30 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan summary. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Open-Missing Approval/Underwriting Summary Missing copy of the Approval. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-Received loan summary. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 680 and minimum allowed is 660<br>Months Reserves exceed minimum required - Borrower has 29.92 months of reserves and only needs 2 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843907 | xxxxxx D A | Closed | xxxxxx | 2025-08-25 15:02 | 2025-08-29 09:27 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received fraud alert reflecting all parties search. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists that are required. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-Received fraud alert reflecting all parties search. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 680 and minimum allowed is 660<br>Months Reserves exceed minimum required - Borrower has 29.92 months of reserves and only needs 2 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843907 | xxxxxx D A | Closed | xxxxxx | 2025-08-25 15:02 | 2025-08-29 09:27 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud report with supporting documentation confirming all parties cleared OFAC - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Open-OFAC Check Not Completed and/or Cleared for all parties required. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-Received fraud report with supporting documentation confirming all parties cleared OFAC - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 680 and minimum allowed is 660<br>Months Reserves exceed minimum required - Borrower has 29.92 months of reserves and only needs 2 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843907 | xxxxxx D A | Closed | xxxxxx | 2025-08-25 15:02 | 2025-08-29 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Open-Missing Third Party Fraud Report. Fraud Report is required. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-Received fraud report. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 680 and minimum allowed is 660<br>Months Reserves exceed minimum required - Borrower has 29.92 months of reserves and only needs 2 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843917 | xxxxxx D A C | Closed | xxxxxx | 2025-09-30 11:16 | 2025-10-22 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received LOX for Hazard Insurance Policy - Due Diligence Vendor-10/22/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided LOE for Primary Residence HO3 with Fair Rental Value (coverage). Additional findings may apply. - Due Diligence Vendor-09/30/2025 |  | Resolved-Received LOX for Hazard Insurance Policy - Due Diligence Vendor-10/22/2025 | Months Reserves exceed minimum required - 16.5 months reserves exceed required 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 with required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843917 | xxxxxx D A C | Closed | xxxxxx | 2025-09-25 18:18 | 2025-10-13 17:51 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received COC dated xxxxxx for Loan Amount points and lender credit. - Due Diligence Vendor-10/13/2025 <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. -----There is no proof in file that borrower received the initial CD xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-09/25/2025 |  | Resolved-Received COC dated xxxxxx for Loan Amount points and lender credit. - Due Diligence Vendor-10/13/2025 | Months Reserves exceed minimum required - 16.5 months reserves exceed required 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 with required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843917 | xxxxxx D A C | Closed | xxxxxx | 2025-09-25 18:18 | 2025-10-13 17:51 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC dated xxxxxx for Loan Amount points and lender credit. - Due Diligence Vendor-10/13/2025 <br> Counter-Rec'd COC xxxxxx and CD issued xxxxxx. Discount Points increased on CD issued xxxxxx and Lender credit decreased on CD issued xxxxxx. Please provide COC that correlates with these changes. Finding remains. - Due Diligence Vendor-10/06/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($80.20). 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 $80.20 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 $80.20, 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-09/25/2025 |  | Resolved-Received COC dated xxxxxx for Loan Amount points and lender credit. - Due Diligence Vendor-10/13/2025 | Months Reserves exceed minimum required - 16.5 months reserves exceed required 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 with required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843917 | xxxxxx D A C | Closed | xxxxxx | 2025-09-25 18:18 | 2025-10-13 17:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC dated xxxxxx for Loan Amount points and lender credit. - Due Diligence Vendor-10/13/2025 <br> Counter-Rec'd COC xxxxxx and CD issued xxxxxx. Discount Points increased on CD issued xxxxxx and Lender credit decreased on CD issued xxxxxx. Please provide COC that correlates with these changes. Finding remains. - Due Diligence Vendor-10/06/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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 $1,125.80 (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 $1,125.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations xxxxxx - Due Diligence Vendor-09/25/2025 |  | Resolved-Received COC dated xxxxxx for Loan Amount points and lender credit. - Due Diligence Vendor-10/13/2025 | Months Reserves exceed minimum required - 16.5 months reserves exceed required 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 with required 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843954 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843977 | xxxxxx D A | Closed | xxxxxx | 2025-08-12 15:43 | 2025-09-03 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title policy provided. - Due Diligence Vendor-09/03/2025 <br> Open-Title Document is missing Title Document is missing - Due Diligence Vendor-08/12/2025 |  | Resolved-Title policy provided. - Due Diligence Vendor-09/03/2025 | Months Reserves exceed minimum required - Reserves = 8.02 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 70% - Max LTV = 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843977 | xxxxxx D A | Closed | xxxxxx | 2025-08-12 18:20 | 2025-09-03 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-Operating agreement provided. - Due Diligence Vendor-09/03/2025 <br> Open-Any liquidity evidenced not held in the personal name of the guarantor(s) require an Operating Agreement (OA) signed by all members including membership interest %. Missing Partnership Agreement for xxxxxx - Due Diligence Vendor-08/12/2025 |  | Resolved-Operating agreement provided. - Due Diligence Vendor-09/03/2025 | Months Reserves exceed minimum required - Reserves = 8.02 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 70% - Max LTV = 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843977 | xxxxxx D A | Closed | xxxxxx | 2025-08-12 18:16 | 2025-08-21 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 3 Missing | Resolved-Upon further review, the loan file contains sufficient assets. - Due Diligence Vendor-08/21/2025 <br> Open-Asset 3 Missing Missing actual statements for xxxxxx acct xxxxxx (Only have wire confirmations for $5,000 on 7/22 and $95K on 7/04) - Due Diligence Vendor-08/12/2025 |  | Resolved-Upon further review, the loan file contains sufficient assets. - Due Diligence Vendor-08/21/2025 | Months Reserves exceed minimum required - Reserves = 8.02 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 70% - Max LTV = 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844036 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 12:47 | 2025-10-08 09:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-10/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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 $1087.85 (Points and Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $982.85, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date xxxxxx . Final CD has Lender Credit of $105.00 for Credit Report increase, not enough to cure finding. - Due Diligence Vendor-10/02/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-10/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 768<br>CLTV is less than guidelines maximum - 75% allowed, subject 48.69% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844051 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844107 | xxxxxx C A | Closed | xxxxxx | 2025-08-11 12:26 | 2025-08-22 09:50 | 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-08/22/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal (floating in space next to PPP rider but firing finding just in case ty credit) - Due Diligence Vendor-08/11/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/22/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - 1.055<br>Qualifying FICO score is at least 20 points above minimum for program - 790 vs. min FICO 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844111 | xxxxxx D A | Closed | xxxxxx | 2025-08-28 09:50 | 2025-09-11 12:02 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statement confirm mortgage for departing residence is reflecting on credit report. - Due Diligence Vendor-09/11/2025 <br> Counter-Received UW loan summary reflecting PITIA-missing supporting documentation-please provide mtg statement confirming escrowed and validation of HOA considered. - Due Diligence Vendor-09/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Departing residence mortgage with xxxxxx, missing primary residence 12 month mortgage history. - Due Diligence Vendor-08/28/2025 |  | Resolved-Received mortgage statement confirm mortgage for departing residence is reflecting on credit report. - Due Diligence Vendor-09/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 775<br>Months Reserves exceed minimum required - MIn 3, actual 169.17<br>Qualifying DTI below maximum allowed - Max 50%, actual 33.33% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844111 | xxxxxx D A | Closed | xxxxxx | 2025-08-28 09:22 | 2025-09-11 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received bank statement analysis for B2. - Due Diligence Vendor-09/11/2025 <br> Counter-Received bank statements-missing Business Bank Statement Analysis Worksheet for B2 - Due Diligence Vendor-09/08/2025 <br> Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-08/28/2025 |  | Resolved-Received bank statement analysis for B2. - Due Diligence Vendor-09/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 775<br>Months Reserves exceed minimum required - MIn 3, actual 169.17<br>Qualifying DTI below maximum allowed - Max 50%, actual 33.33% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844111 | xxxxxx D A | Closed | xxxxxx | 2025-08-28 09:02 | 2025-09-08 12:08 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct HOI policy. - Due Diligence Vendor-09/08/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date xxxxxx - Due Diligence Vendor-08/28/2025 |  | Resolved-Received correct HOI policy. - Due Diligence Vendor-09/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 775<br>Months Reserves exceed minimum required - MIn 3, actual 169.17<br>Qualifying DTI below maximum allowed - Max 50%, actual 33.33% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844115 | xxxxxx C B A | Closed | xxxxxx | 2025-08-15 08:06 | 2025-10-29 15:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Corrected Interest only Note received. - Due Diligence Vendor-10/29/2025 <br> Counter-CD and payment on Note reflect as Interest Only-interest only Note required. - Due Diligence Vendor-08/27/2025 <br> Counter-CD dated xxxxxx reflects interest only. Please clarify. - Due Diligence Vendor-08/26/2025 <br> Open-There are Issues Present on the Note that must be addressed. Missing Interest only information on the note. - Due Diligence Vendor-08/15/2025 |  | Resolved-Corrected Interest only Note received. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO - borrower has 728 FICO<br> On time mortgage history exceeds guideline requirement - 12 months mortgage housing history required - credit report supplement shows 48 months of 0x30 payments |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844115 | xxxxxx C B A | Closed | xxxxxx | 2025-08-20 10:50 | 2025-10-29 15:24 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, an Interest only rider is not required. - Due Diligence Vendor-10/29/2025 <br> Counter-CD and payment on Note reflect interest only-missing Interest Only Rider to security instrument. - Due Diligence Vendor-08/27/2025 <br> Counter-CD dated xxxxxx reflects interest only. Please clarify. - Due Diligence Vendor-08/26/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing interest only information and rider. - Due Diligence Vendor-08/20/2025 |  | Resolved-After further review, an Interest only rider is not required. - Due Diligence Vendor-10/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO - borrower has 728 FICO<br> On time mortgage history exceeds guideline requirement - 12 months mortgage housing history required - credit report supplement shows 48 months of 0x30 payments |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844115 | xxxxxx C B A | Closed | xxxxxx | 2025-08-14 16:31 | 2025-08-14 16:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ------Client waiver applied to non-material findings - Due Diligence Vendor-08/14/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ------Client waiver applied to non-material findings - Due Diligence Vendor-08/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO - borrower has 728 FICO<br> On time mortgage history exceeds guideline requirement - 12 months mortgage housing history required - credit report supplement shows 48 months of 0x30 payments |  | 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 |
| 844115 | xxxxxx C B A | Closed | xxxxxx | 2025-08-14 16:31 | 2025-08-14 16:31 | 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-08/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing ------Client waiver applied to non-material findings - Due Diligence Vendor-08/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO - borrower has 728 FICO<br> On time mortgage history exceeds guideline requirement - 12 months mortgage housing history required - credit report supplement shows 48 months of 0x30 payments |  | 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 |
| 844136 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844208 | xxxxxx C B A | Closed | xxxxxx | 2025-10-09 21:18 | 2025-10-21 11:13 | Waived | 2 - Non-Material B | Compliance | State Reg | xxxxxx Subprime Loan Test | Waived-Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 10.243% which is in excess of allowable threshold of APOR 6.32% + 3.75 = 10.07% - Due Diligence Vendor-10/21/2025 <br> Open- Non Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 10.243% which is in excess of allowable threshold of APOR 6.32% + 3.75 = 10.07% - Due Diligence Vendor-10/10/2025 |  | Waived-Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 10.243% which is in excess of allowable threshold of APOR 6.32% + 3.75 = 10.07% - Due Diligence Vendor-10/21/2025 | Qualifying DTI below maximum allowed - DTI for this loan is 22.74 which is below than maximum allowed of 50%<br>Months Reserves exceed minimum required - Months Reserves for this loan 45 exceed minimum required of 0 |  | 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 |
| 844208 | xxxxxx C B A | Closed | xxxxxx | 2025-10-14 09:40 | 2025-10-14 09:41 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/14/2025 <br> Open-xxxxxx exception in file to allow 50% expense factor with not business narrative (investor allows but is exception to xxxxxx guidelines)<br> - Due Diligence Vendor-10/14/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/14/2025 | Qualifying DTI below maximum allowed - DTI for this loan is 22.74 which is below than maximum allowed of 50%<br>Months Reserves exceed minimum required - Months Reserves for this loan 45 exceed minimum required of 0 | Credit score 10+> minim required - FICO 723; 700 required<br> DTI<br> Reserves<br> Residual income more than 1.5x amt required<br> Current primary ownership 5 yrs>2 yrs | 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 |
| 844239 | xxxxxx B A | Closed | xxxxxx | 2025-09-15 11:00 | 2025-11-10 13:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Client Waiver applied to Non-Material Finding with Comp Factors. Deemed Non-material as Borrower was living rent free but owned Subject Property Free & Clear. BORROWER RECENTLY PURCHASED PRIMARY RESIDENCE IN APRIL 2025 . PREVIOUSLY LIVED WITH FAMILY. SUBJECT PROPERTY HAS BEEN OWNED 12 MONTHS - FREE AND CLEAR. CASH OUT REFINANCE ON SUBJECT. DSCR >1. - Due Diligence Vendor-09/15/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Client Waiver applied to Non-Material Finding with Comp Factors. Deemed Non-material as Borrower was living rent free but owned Subject Property Free & Clear. BORROWER RECENTLY PURCHASED PRIMARY RESIDENCE IN xxxxxx . PREVIOUSLY LIVED WITH FAMILY. SUBJECT PROPERTY HAS BEEN OWNED 12 MONTHS - FREE AND CLEAR. CASH OUT REFINANCE ON SUBJECT. DSCR >1. - Due Diligence Vendor-09/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 748; guidelines require 720. <br>LTV is less than guideline maximum - LTV 60% LTV. Allowed 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844244 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844349 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 844404 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844526 | xxxxxx C A | Closed | xxxxxx | 2025-10-03 11:06 | 2025-10-16 13:39 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-After further review, the is an additional wire confirm in the loan file for xxxxxx. - Due Diligence Vendor-10/16/2025 <br> Counter-Review has received total verified assets of $249,326.51. Final 1003 reflects total assets of $252,453.55. Please provide additional assets. - Due Diligence Vendor-10/10/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-40259.17'. Assets are Insufficient. \*New\* Per client removed the $140k gift funds. - Due Diligence Vendor-10/03/2025 |  | Resolved-After further review, the is an additional wire confirm in the loan file for xxxxxx. - Due Diligence Vendor-10/16/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 44.19%; max allowable 50.00%<br>LTV is less than guideline maximum - Qualifying LTV 80.00; max allowable 85% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844526 | xxxxxx C A | Closed | xxxxxx | 2025-09-19 14:40 | 2025-10-15 16:25 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Gift no longer included in assets. - Due Diligence Vendor-10/15/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing evidence of disclosed $140K Gift Letter with donor's ability and deposited receipt with escrow. - Due Diligence Vendor-09/19/2025 |  | Resolved-Gift no longer included in assets. - Due Diligence Vendor-10/15/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 44.19%; max allowable 50.00%<br>LTV is less than guideline maximum - Qualifying LTV 80.00; max allowable 85% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844546 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844617 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844668 | xxxxxx D A | Closed | xxxxxx | 2025-09-04 08:28 | 2025-09-16 10:23 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-After further review, the address was changed by the city and the lease was not changed. - Due Diligence Vendor-09/16/2025 <br> Counter-File contains purchase contract addendum confirming address change. Missing addendum to Lease agreement - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. there was an address change - Seller-09/10/2025 <br> Open-Lease agreement and Purchase agreement has the wrong address: xxxxxx and it should be xxxxxx unit xxxxxx. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. there was an address change - Seller-09/10/2025 | Resolved-After further review, the address was changed by the city and the lease was not changed. - Due Diligence Vendor-09/16/2025 | Months Reserves exceed minimum required - 19.38 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 54.55% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844668 | xxxxxx D A | Closed | xxxxxx | 2025-09-04 08:29 | 2025-09-11 17:38 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further review, the loan file contained all required appraisal documentation. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-please note that this is not a condition that was also requested in pre- closing review: page 20 of the report has pictures, stating this is a xxxxxx; - Seller-09/10/2025 <br> Open-Appraiser to confirm this is a xxxxxx. - Due Diligence Vendor-09/04/2025 | Ready for Review-please note that this is not a condition that was also requested in pre- closing review: page 20 of the report has pictures, stating this is a xxxxxx; - Seller-09/10/2025 | Resolved-Upon further review, the loan file contained all required appraisal documentation. - Due Diligence Vendor-09/11/2025 | Months Reserves exceed minimum required - 19.38 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 54.55% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844668 | xxxxxx D A | Closed | xxxxxx | 2025-09-04 08:11 | 2025-09-11 16:22 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received addendum and confirmation of address change. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. - Seller-09/10/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Purchase contract has different address; reflects xxxxxx and it should be xxxxxx. business name is missing; this is closing in business not in individual name. needs to be corrected to business. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/10/2025 | Resolved-Received addendum and confirmation of address change. - Due Diligence Vendor-09/11/2025 | Months Reserves exceed minimum required - 19.38 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 54.55% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844668 | xxxxxx D A | Closed | xxxxxx | 2025-09-04 08:33 | 2025-09-11 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SAM clearance. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. - Seller-09/10/2025 <br> Open-Fraud Report Shows Uncleared Alerts- Appraiser not cleared. <br> SAM.gov was provided for broker only. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/10/2025 | Resolved-Received SAM clearance. - Due Diligence Vendor-09/11/2025 | Months Reserves exceed minimum required - 19.38 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 54.55% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844668 | xxxxxx D A | Closed | xxxxxx | 2025-09-04 08:33 | 2025-09-11 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-09/11/2025 <br> Ready for Review-this was done through xxxxxx - Seller-09/10/2025 <br> Open-OFAC Check Not Completed and/or Cleared- Ofact needs to be run for Foreign National. - Due Diligence Vendor-09/04/2025 | Ready for Review-this was done through xxxxxx - Seller-09/10/2025 | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-09/11/2025 | Months Reserves exceed minimum required - 19.38 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 54.55% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844668 | xxxxxx D A | Closed | xxxxxx | 2025-09-04 08:27 | 2025-09-10 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received confirmation of address change. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Open-Lease agreement has the wrong address- xxxxxx should be xxxxxx unit xxxxxx. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025 | Resolved-Received confirmation of address change. - Due Diligence Vendor-09/10/2025 | Months Reserves exceed minimum required - 19.38 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 54.55% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844762 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 11:48 | 2025-10-10 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD Rider. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. corrected Deed, PUD & notary invoice - Seller-10/08/2025 <br> Open-PUD Rider is Missing Documentation in the file the property si ocated ina HOA, missing the PUD rider to the mortgage. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. corrected Deed, PUD & notary invoice - Seller-10/08/2025 | Resolved-Received PUD Rider. - Due Diligence Vendor-10/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 705, guideline minimum is 680.<br>Months Reserves exceed minimum required - >12 months vs. 0 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844762 | xxxxxx D A | Closed | xxxxxx | 2025-09-30 13:10 | 2025-10-06 12:35 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-xxxxxx AVM showing approved vendor<br> - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. xxxxxx AVM showing approved vendor - Seller-10/03/2025 <br> Open-File contained Property valuation model from a non approved vendor. missing secondary valuation from approved vendor. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. xxxxxx AVM showing approved vendor - Seller-10/03/2025 | Resolved-xxxxxx AVM showing approved vendor<br> - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 705, guideline minimum is 680.<br>Months Reserves exceed minimum required - >12 months vs. 0 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844762 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 10:59 | 2025-10-06 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. W2s uploaded - Seller-10/03/2025 <br> Counter-Received and reviewed 1005 WVOE, however, W2 is still required. Per guidelines xxxxxx WVOE Form 1005 is not eligible for standard income documentation. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. UW utilized WVOEs for income calculation in lieu of W2s…uploaded a copy of the WVOE along with 2 mos bank statements evidencing receipt of income from employer.<br> - Seller-10/02/2025 <br> Open-Borrower 1 W2/1099 Missing Loan was approved as a full doc loan, missing the required w-2s for the borrower. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. W2s uploaded - Seller-10/03/2025 <br> Ready for Review-Document Uploaded. UW utilized WVOEs for income calculation in lieu of W2s…uploaded a copy of the WVOE along with 2 mos bank statements evidencing receipt of income from employer.<br> - Seller-10/02/2025 | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 705, guideline minimum is 680.<br>Months Reserves exceed minimum required - >12 months vs. 0 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844762 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 10:59 | 2025-10-06 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. W2s uploaded - Seller-10/03/2025 <br> Counter-Received and reviewed 1005 WVOE, however, W2 is still required. Per guidelines xxxxxx WVOE Form 1005 is not eligible for standard income documentation. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-UW utilized WVOEs for income calculation in lieu of W2s…uploaded a copy of the WVOE along with 2 mos bank statements evidencing receipt of income from employer. - Seller-10/02/2025 <br> Open-Borrower 2 W2/1099 Missing Loan was approved as a full doc loan, missing the required w-2s for borrower 2. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. W2s uploaded - Seller-10/03/2025 <br> Ready for Review-UW utilized WVOEs for income calculation in lieu of W2s…uploaded a copy of the WVOE along with 2 mos bank statements evidencing receipt of income from employer. - Seller-10/02/2025 | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 705, guideline minimum is 680.<br>Months Reserves exceed minimum required - >12 months vs. 0 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844834 | xxxxxx C B A | Closed | xxxxxx | 2025-08-19 12:18 | 2025-09-04 10:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/04/2025 <br> Counter-Legal from the commitment provided. Please provide the legal description being sent for recording with the mortgage. - Due Diligence Vendor-08/29/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description to DOT. - Due Diligence Vendor-08/19/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/04/2025 | Months Reserves exceed minimum required - 49.78 RESERVES REQUIRED RESERVES 2<br> Qualifying FICO score is at least 20 points above minimum for program - FICO 750 MIN FICO 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844834 | xxxxxx C B A | Closed | xxxxxx | 2025-08-21 13:29 | 2025-08-25 16:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted to allow rural property . Non-material waiver applied with comp factors. Deemed non-material due to xxxxxx acre property and marketing time of 3-6 months. - Due Diligence Vendor-08/25/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural property not allowed<br> - Due Diligence Vendor-08/21/2025 |  | Waived-Client exception granted to allow rural property . Non-material waiver applied with comp factors. Deemed non-material due to xxxxxx acre property and marketing time of 3-6 months. - Due Diligence Vendor-08/25/2025 | Months Reserves exceed minimum required - 49.78 RESERVES REQUIRED RESERVES 2<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 750 MIN FICO 700 | Credit Score 30+ points > minimum required<br> Experienced investor owns and manages 2 or more properties for 12 months<br> 0x30 for 48 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844873 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844885 | xxxxxx C A | Closed | xxxxxx | 2025-08-14 16:39 | 2025-08-28 14:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the xxxxxx Statement for the Primary residence confirms April - May 2025 payments. - Due Diligence Vendor-08/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- 1)Missing mortgage payment being made for prior primary residence. 2) missing HUD when borrower purchased new primary residence to cover most recent 12 months.<br> - Due Diligence Vendor-08/14/2025 |  | Resolved-After further review, the xxxxxx Statement for the Primary residence confirms April - May 2025 payments. - Due Diligence Vendor-08/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 787; FICO minimum of 700 required.<br>Months Reserves exceed minimum required - 89.29 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844885 | xxxxxx C A | Closed | xxxxxx | 2025-08-14 18:35 | 2025-08-28 14:44 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-After further review, this is a DSCR No ratio loan. - Due Diligence Vendor-08/20/2025 <br> Open-The Calculated DSCR of '0.466' is less than the minimum DSCR per lender guidelines of '1'. Loan DSCR of 0.466 does not meet the program guideline requirement for minimum DSCR of 1. - Due Diligence Vendor-08/14/2025 |  | Resolved-After further review, this is a DSCR No ratio loan. - Due Diligence Vendor-08/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 787; FICO minimum of 700 required.<br>Months Reserves exceed minimum required - 89.29 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844886 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 844899 | xxxxxx C B A | Closed | xxxxxx | 2025-09-17 10:43 | 2025-10-10 10:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client waiver applied to non-material finding with compensating factors- Appraisal reflects subject being xxxxxx however on first page of the appraisal is reflects xxxxxx, second page and photos showing the subject is xxxxxx and supports this- subject is located on xxxxxx- - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/10/2025 <br> Counter-Colored Appraisal provided, please have the Appraiser address the number of stories. - Due Diligence Vendor-09/30/2025 <br> Counter-Appraisal uploaded is cutoff at bottom-please provide complete original appraisal. Finding remains. - Due Diligence Vendor-09/26/2025 <br> Open-1. Missing copy of the appraisal signed xxxxxx with color photos. The appraisal located on PDF 807 is the most recently signed appraisal out of the three appraisals provided in file but lacks color photos . Additional findings may apply.<br> 2. Appraiser to address page 1 of appraisal that notes subject is a xxxxxx but also notes there is only xxxxxx. - Due Diligence Vendor-09/17/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors- Appraisal reflects subject being xxxxxx however on first page of the appraisal is reflects xxxxxx, second page and photos showing the subject is xxxxxx and supports this- subject is located on xxxxxx- - Due Diligence Vendor-10/10/2025 | Qualifying DTI below maximum allowed - 25.21% < 50% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 784 FICO exceeds 660 minimum required. | Reserves exceed requirement by 10 months or more<br> FICO score is greater than 30 points above min required<br> DTI is 36% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844899 | xxxxxx C B A | Closed | xxxxxx | 2025-09-17 10:44 | 2025-10-01 16:40 | Waived | 2 - Non-Material C B | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-10/01/2025 <br> Open-Transaction was submitted as a purchase of 2nd home; however, the most recently signed appraisal in file (PDF 807) includes Form 1007 providing market rent. Additional findings may apply. - Due Diligence Vendor-09/17/2025 |  | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-10/01/2025 | Qualifying DTI below maximum allowed - 25.21% < 50% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 784 FICO exceeds 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844899 | xxxxxx C B A | Closed | xxxxxx | 2025-09-17 10:22 | 2025-09-26 09:07 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator NMLS Status is Not Active | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/26/2025 <br> Open-Loan Originator NMLS Status is Not Active Per NMLS website, originator is not licensed in xxxxxx. - Due Diligence Vendor-09/17/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/26/2025 | Qualifying DTI below maximum allowed - 25.21% < 50% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 784 FICO exceeds 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 844899 | xxxxxx C B A | Closed | xxxxxx | 2025-09-17 12:04 | 2025-09-19 10:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow 25% entity ownership . Non-material waiver applied with comp factors. Deemed non-material due to only 5% above max of 20%. - Due Diligence Vendor-09/19/2025 <br> Open-Questionnaire (PDF 789) notes one owner owns 25% of the project (xxxxxx units) max 20% per guidelines<br> - Due Diligence Vendor-09/17/2025 |  | Waived-Client exception granted to allow 25% entity ownership . Non-material waiver applied with comp factors. Deemed non-material due to only 5% above max of 20%. - Due Diligence Vendor-09/19/2025 | Qualifying DTI below maximum allowed - 25.21% < 50% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 784 FICO exceeds 660 minimum required. | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844899 | xxxxxx C B A | Closed | xxxxxx | 2025-09-18 12:53 | 2025-09-19 10:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Client exception granted to allow 92% investor concentration. Non-material waiver applied with comp factors. Deemed non-material due to investor properties common in the area. - Due Diligence Vendor-09/19/2025 <br> Open-Investor concentration of 92% exceeds the 60% limit - Due Diligence Vendor-09/18/2025 |  | Waived-Client exception granted to allow 92% investor concentration. Non-material waiver applied with comp factors. Deemed non-material due to investor properties common in the area. - Due Diligence Vendor-09/19/2025 | Qualifying DTI below maximum allowed - 25.21% < 50% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 784 FICO exceeds 660 minimum required. | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844899 | xxxxxx C B A | Closed | xxxxxx | 2025-09-18 12:56 | 2025-09-19 10:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow no post repair inspection. Non-material waiver applied with comp factors. Deemed non-material due to no structural repairs remain per invoices. - Due Diligence Vendor-09/19/2025 <br> Open-Property Issues are identified for the property Questionnaire addendum (PDF 870) Notes repairs from a xxxxxx inspection (pg 842) were required on project including subject xxxxxx. An invoice showing work done on pg 871-872 is in file however no additional post inspection showing work completed was provided. It is undetermined if full work was completed since the invoices show limited information on the work done. Exception to proceed with docs provided. - Due Diligence Vendor-09/18/2025 |  | Waived-Client exception granted to allow no post repair inspection. Non-material waiver applied with comp factors. Deemed non-material due to no structural repairs remain per invoices. - Due Diligence Vendor-09/19/2025 | Qualifying DTI below maximum allowed - 25.21% < 50% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 784 FICO exceeds 660 minimum required. | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844906 | xxxxxx C A | Closed | xxxxxx | 2025-08-19 11:26 | 2025-08-28 10:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-08/28/2025 <br> Counter-Received copy of security instrument-missing legal description attachment exhibit A. - Due Diligence Vendor-08/25/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal - Due Diligence Vendor-08/19/2025 |  | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-08/28/2025<br>| Credit history exceeds minimum required - FICO is 797 which is higher than program requirement<br>Months Reserves exceed minimum required - More reserves than required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844979 | xxxxxx D B A | Closed | xxxxxx | 2025-08-18 13:36 | 2025-08-20 08:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Lender uploaded xxxxxx confirming EIN # - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. xxxxxx showing EIN - Seller-08/19/2025 <br> Open-for xxxxxx - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. xxxxxx showing EIN - Seller-08/19/2025 | Resolved-Lender uploaded xxxxxx confirming EIN # - Due Diligence Vendor-08/20/2025 | LTV is less than guideline maximum - 65% allowed, subject 62.21%. <br>Months Reserves exceed minimum required - 6 months required, subject 62.21 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844979 | xxxxxx D B A | Closed | xxxxxx | 2025-08-15 15:03 | 2025-08-18 13:58 | Waived | 2 - Non-Material C B | Credit | Borrower | Business Entity Formation Document is Incomplete | Waived-Originator exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-08/18/2025 <br> Open-The Business Entity Formation Document is incomplete The LLC has 5 individual members. Per the applicable guidelines the maximum number of members is 4. An exception page 321 was identified in the file for 5 members. - Due Diligence Vendor-08/15/2025 |  | Waived-Originator exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-08/18/2025 | LTV is less than guideline maximum - 65% allowed, subject 62.21%. <br>Months Reserves exceed minimum required - 6 months required, subject 62.21 months | Post-closing reserves > 12 months<br> Experienced Investor | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844983 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 17:37 | 2025-10-15 16:40 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD xxxxxx with recording fee moved to the correct section. - Due Diligence Vendor-10/15/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($100.20) exceed the comparable charges ($90.00) 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 $10.20 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-09/25/2025 |  | Resolved-Received PCCD xxxxxx with recording fee moved to the correct section. - Due Diligence Vendor-10/15/2025 | Months Reserves exceed minimum required - 12 months reserves exceeds 6 months minimum.<br>Verified employment history exceeds guidelines - Borrower has been employed for 5 years per the busioness license. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844983 | xxxxxx C B A | Closed | xxxxxx | 2025-09-30 17:38 | 2025-10-06 13:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Received Wire Receipt. - Due Diligence Vendor-10/06/2025 <br> Open-Asset 6 Does Not Meet Guideline Requirements Asset is a gift, missing evidence the funds were wired to the title company, deposited into the borrowers bank account or the donors ability to provide the gift. - Due Diligence Vendor-09/30/2025 |  | Resolved-Received Wire Receipt. - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - 12 months reserves exceeds 6 months minimum.<br>Verified employment history exceeds guidelines - Borrower has been employed for 5 years per the busioness license. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844983 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 17:25 | 2025-09-26 11:10 | 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-09/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/25/2025 | Months Reserves exceed minimum required - 12 months reserves exceeds 6 months minimum.<br>Verified employment history exceeds guidelines - Borrower has been employed for 5 years per the busioness license. |  | 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 |
| 844993 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 11:52 | 2025-10-07 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report reflecting alerts cleared. - Due Diligence Vendor-10/07/2025 <br> Counter-Please follow the Fraud report instructions to clear the high alert. - Due Diligence Vendor-10/03/2025 <br> Counter-Page 2 of the Fraud report has a High Alert Not cleared stating - All of the required participant(s) have not been input. - Due Diligence Vendor-10/01/2025 <br> Counter-Received incomplete fraud report-all parties not included in search and high and medium alerts not cleared. - Due Diligence Vendor-09/26/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/18/2025 |  | Resolved-Received fraud report reflecting alerts cleared. - Due Diligence Vendor-10/07/2025 | Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 47.54 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 804 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845206 | xxxxxx C A | Closed | xxxxxx | 2025-09-03 14:29 | 2025-10-20 09:45 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Received updated statement. - Due Diligence Vendor-10/20/2025 <br> Counter-Received annual statement-cash value date 12/10/2024 has expired. - Due Diligence Vendor-09/08/2025 <br> Open-Asset 2 Expired Dated 10/10/24 - Due Diligence Vendor-09/03/2025 |  | Resolved-Received updated statement. - Due Diligence Vendor-10/20/2025 | Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 48.67 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 787. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845206 | xxxxxx C A | Closed | xxxxxx | 2025-09-02 11:42 | 2025-09-11 07:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-09/11/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $210.00.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 $210 Final 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 $210, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. [COC stating Additional Appraisal Services Required dated xxxxxx is in file. However, this does not provide specific reason that additional appraisal was required, please provide] - Due Diligence Vendor-09/02/2025 |  | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-09/11/2025 | Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 48.67 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 787. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845230 | xxxxxx B A | Closed | xxxxxx | 2025-08-21 17:55 | 2025-08-25 09:18 | 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-08/25/2025 <br> Open-Missing Approval/Underwriting Summary Missing 1008, URLA, and Loan approval - Due Diligence Vendor-08/21/2025 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-08/25/2025 | Months Reserves exceed minimum required - Borrowers reserves are 47 months, required are 6<br>LTV is less than guideline maximum - Borrowers LTV is 75, maximum is 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845258 | xxxxxx D A C | Closed | xxxxxx | 2025-09-26 16:14 | 2025-10-08 15:13 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-Upon further review, appraiser did not note any deficiencies, nothing further is needed or required - Due Diligence Vendor-10/08/2025 <br> Open-Originator to provide Certification that subject meets state xxxxxx requirements. Appraiser did not comment<br>- Due Diligence Vendor-09/26/2025 |  | Resolved-Upon further review, appraiser did not note any deficiencies, nothing further is needed or required - Due Diligence Vendor-10/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO - borrower has 735 FICO<br>Qualifying DTI below maximum allowed - 50% max DTI - loan has 20.16% DTI |  | 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 |
| 845258 | xxxxxx D A C | Closed | xxxxxx | 2025-09-25 13:50 | 2025-10-01 09:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received final executed 1003, finding resolved. - Due Diligence Vendor-10/01/2025 <br> Open-The Final 1003 is Missing Final signed 1003 is missing from file - Due Diligence Vendor-09/26/2025 |  | Resolved-Received final executed 1003, finding resolved. - Due Diligence Vendor-10/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO - borrower has 735 FICO<br>Qualifying DTI below maximum allowed - 50% max DTI - loan has 20.16% DTI |  | 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 |
| 845274 | xxxxxx D A | Closed | xxxxxx | 2025-08-28 11:24 | 2025-09-08 17:13 | Resolved | 1 - Information C A | Credit | Eligibility | PPP rider was not provided | Resolved-Prepay addendum to the Note provided, Rider tot he Mortgage is not required. - Due Diligence Vendor-09/08/2025 <br> Counter-Guidelines require a Prepayment Rider. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/05/2025 <br> Counter-Review did not receive upload-please re upload. - Due Diligence Vendor-09/05/2025 |  | Resolved-Prepay addendum to the Note provided, Rider tot he Mortgage is not required. - Due Diligence Vendor-09/08/2025 | Months Reserves exceed minimum required - 99 months PITIA reserves; 2 months reserves required.<br>LTV is less than guideline maximum - LTV 60%; max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845274 | xxxxxx D A | Closed | xxxxxx | 2025-08-28 10:55 | 2025-09-05 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received Condo warranty confirming limited review type Q-appraiser confirms no litigation. - Due Diligence Vendor-09/05/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Audit unable to determine if there is open litigation.<br> - Due Diligence Vendor-08/28/2025 |  | Resolved-Received Condo warranty confirming limited review type Q-appraiser confirms no litigation. - Due Diligence Vendor-09/05/2025 | Months Reserves exceed minimum required - 99 months PITIA reserves; 2 months reserves required.<br>LTV is less than guideline maximum - LTV 60%; max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845274 | xxxxxx D A | Closed | xxxxxx | 2025-08-28 11:01 | 2025-09-05 11:46 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Effective Date is After the Note Date | Resolved-Received PCCD confirming disbursement date of xxxxxx - Due Diligence Vendor-09/05/2025 <br> Open-Master Policy Effective Date of xxxxxx is After the Transaction Date of xxxxxx - Due Diligence Vendor-08/28/2025 |  | Resolved-Received PCCD confirming disbursement date of xxxxxx - Due Diligence Vendor-09/05/2025 | Months Reserves exceed minimum required - 99 months PITIA reserves; 2 months reserves required.<br>LTV is less than guideline maximum - LTV 60%; max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845385 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 845435 | xxxxxx C A | Closed | xxxxxx | 2025-08-26 13:56 | 2025-09-02 11:31 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-After further review, the prepay addendum is in the loan file. - Due Diligence Vendor-09/02/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '0'. no prepayment on file - Due Diligence Vendor-08/26/2025 |  | Resolved-After further review, the prepay addendum is in the loan file. - Due Diligence Vendor-09/02/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 7 months are higher than 2 months required <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 792 is higher than 700 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845508 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 10:47 | 2025-10-15 13:54 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-LOX from borrower received indicating there is no child support any longer. - Due Diligence Vendor-10/15/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements The borrower has on his credit report a closed collection account for child support (page 266). There is no child support showing on the final 1003 for the borrower (or currently included int he debts. The final 1003 (page 800) shows the borrower is unmarried, not married to the co-borrower, and has two children 4 and 7. A child support order is missing. Once reviewed, other finding may apply. - Due Diligence Vendor-10/03/2025 |  | Resolved-LOX from borrower received indicating there is no child support any longer. - Due Diligence Vendor-10/15/2025 | Months Reserves exceed minimum required - The borrower has over 15 months of reserves after the required reserves were verified. <br>Qualifying DTI below maximum allowed - The maximum DTI is 50% and the loan closed with a DTI of 19.64%. |  | 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 |
| 845508 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 11:19 | 2025-10-15 13:53 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-LOX from borrower received indicating there is no child support any longer. - Due Diligence Vendor-10/15/2025 <br> Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio The borrower has on his credit report a closed collection account for child support (page 266). There is no child support showing on the final 1003 or currently included int he debts. The final 1003 (page 800) shows the borrower is unmarried, not married to the co-borrower, and has two children 4 and 7. Need to evidence the borrower no longer pays child support. Once reviewed, other findings may apply. - Due Diligence Vendor-10/03/2025 |  | Resolved-LOX from borrower received indicating there is no child support any longer. - Due Diligence Vendor-10/15/2025 | Months Reserves exceed minimum required - The borrower has over 15 months of reserves after the required reserves were verified. <br>Qualifying DTI below maximum allowed - The maximum DTI is 50% and the loan closed with a DTI of 19.64%. |  | 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 |
| 845508 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 10:01 | 2025-10-10 10:26 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Client provided a waiver for HOI effective date 6 days after disbursement date, applied to non material finding with comp factors - Due Diligence Vendor-10/10/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx . The disbursement date as per the final CD is xxxxxx (page 669). - Due Diligence Vendor-10/03/2025 |  | Waived-Client provided a waiver for HOI effective date 6 days after disbursement date, applied to non material finding with comp factors - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - The borrower has over 15 months of reserves after the required reserves were verified. <br>Qualifying DTI below maximum allowed - The maximum DTI is 50% and the loan closed with a DTI of 19.64%. | Reserves exceed requirement by 10 months or more<br> 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 | Investor Post-Close | No | xxxxxx |
| 845508 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 10:01 | 2025-10-10 10:16 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Received corrected FAIR policy. - Due Diligence Vendor-10/10/2025 <br> Open-Other Property Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Fair Plan Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx . The disbursement date as per the final CD is xxxxxx (page 669). - Due Diligence Vendor-10/03/2025 |  | Resolved-Received corrected FAIR policy. - Due Diligence Vendor-10/10/2025<br>| Months Reserves exceed minimum required - The borrower has over 15 months of reserves after the required reserves were verified. <br>Qualifying DTI below maximum allowed - The maximum DTI is 50% and the loan closed with a DTI of 19.64%. |  | 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 |
| 845508 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 10:47 | 2025-10-09 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 2 Gap Credit Report is Missing The gap report is missing from the loan file. Once reviewed, other findings may apply. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - The borrower has over 15 months of reserves after the required reserves were verified. <br>Qualifying DTI below maximum allowed - The maximum DTI is 50% and the loan closed with a DTI of 19.64%. |  | 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 |
| 845508 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 10:47 | 2025-10-09 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-10/09/2025 <br> Open-Borrower 1 Gap Credit Report is Missing The gap report is missing from the loan file. Once reviewed, other findings may apply. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received UDM - Due Diligence Vendor-10/09/2025<br>| Months Reserves exceed minimum required - The borrower has over 15 months of reserves after the required reserves were verified. <br>Qualifying DTI below maximum allowed - The maximum DTI is 50% and the loan closed with a DTI of 19.64%. |  | 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 |
| 845508 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 10:56 | 2025-10-09 11:10 | 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-10/09/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists An OFAC / participant list is missing from the loan file - Due Diligence Vendor-10/03/2025 |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - The borrower has over 15 months of reserves after the required reserves were verified. <br>Qualifying DTI below maximum allowed - The maximum DTI is 50% and the loan closed with a DTI of 19.64%. |  | 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 |
| 845508 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 10:56 | 2025-10-09 11:10 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-10/09/2025 <br> Open-OFAC Check Not Completed and/or Cleared An OFAC participant list is missing from the loan file - Due Diligence Vendor-10/03/2025 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - The borrower has over 15 months of reserves after the required reserves were verified. <br>Qualifying DTI below maximum allowed - The maximum DTI is 50% and the loan closed with a DTI of 19.64%. |  | 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 |
| 845508 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 10:56 | 2025-10-09 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-10/09/2025 <br> Open-Missing Third Party Fraud Report A Fraud Report is missing from the loan file. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - The borrower has over 15 months of reserves after the required reserves were verified. <br>Qualifying DTI below maximum allowed - The maximum DTI is 50% and the loan closed with a DTI of 19.64%. |  | 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 |
| 845549 | xxxxxx D A | Closed | xxxxxx | 2025-09-22 12:55 | 2025-09-25 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit was provided. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing the business purrpose affidavit. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-The Business Purpose Affidavit was provided. - Due Diligence Vendor-09/24/2025 | Months Reserves exceed minimum required - Verified reserves equal 84.54 months, guidelines require 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Sore for grading is 805, guideline minimum is 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845549 | xxxxxx D A | Closed | xxxxxx | 2025-09-19 13:35 | 2025-09-24 14:18 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Email answering missing question provided. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. HOA answer to question #20 on HOA Questionnaire. - Seller-09/24/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. #Question 20 on questionnaie-does the project have a funding plan for its deferred maintenance components/items to be repaired was answered yes with a comment to contact management company directly. No documentation provided to suppot the management company was contacted for the documentation. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. HOA answer to question #20 on HOA Questionnaire. - Seller-09/24/2025 | Resolved-Email answering missing question provided. - Due Diligence Vendor-09/24/2025 | Months Reserves exceed minimum required - Verified reserves equal 84.54 months, guidelines require 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Sore for grading is 805, guideline minimum is 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845552 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845563 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845566 | xxxxxx C A | Closed | xxxxxx | 2025-08-25 11:01 | 2025-08-29 12:08 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received confirmation re taxes paid. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. taxes paid - Seller-08/28/2025 <br> Open-The subject property is not current on taxes. The tax cert page 427 reflects that taxes were delinquent on 7/8/25. The final settlement statement page 169 does not reflect that the delinquent property taxes were paid at closing. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. taxes paid - Seller-08/28/2025<br>| Resolved-Received confirmation re taxes paid. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 738. Guideline min 700.<br>Months Reserves exceed minimum required - Borrower has 25 months reserves. Min reserves required is 6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845569 | xxxxxx C B A | Closed | xxxxxx | 2025-08-26 14:55 | 2025-08-29 12:11 | 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 3 months reserves< 6 months required, applied to non material finding with comp factors - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached PC exception for the short reserves. - Seller-08/28/2025 <br> Open-Audited Reserves of 3.69 month(s) are less than Guideline Required Reserves of 6 month(s) Cash out loan requires 6 months. Cash back is only sufficient to cover 3.69 months reserves. Provide additional asset docs to verify that the borrower has sufficient reserves. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Please see attached PC exception for the short reserves. - Seller-08/28/2025 | Waived-Originator provided a waiver for 3 months reserves< 6 months required, applied to non material finding with comp factors - Due Diligence Vendor-08/29/2025 | On time mortgage history exceeds guideline requirement - Mortgages paid as agreed 40+ months <br>DSCR % greater than 1.20 - DSCR is 1.385. Min DSCR is 1. | DSCR>1.25%<br> Long term homeowner | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 845570 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845579 | xxxxxx D A | Closed | xxxxxx | 2025-08-22 13:46 | 2025-09-05 11:28 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report. All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/05/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists. Provide all pages of the background Fraud Report. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received Fraud Report. All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - 765 FICO with 700 min<br>Months Reserves exceed minimum required - 109 months of reserves with 12 months min |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845579 | xxxxxx D A | Closed | xxxxxx | 2025-08-22 13:46 | 2025-09-05 11:28 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report. OFAC Check Completed and Cleared - Due Diligence Vendor-09/05/2025 <br> Open-OFAC Check Not Completed and/or Cleared, Provide all pages of the background Fraud Report. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received Fraud Report. OFAC Check Completed and Cleared - Due Diligence Vendor-09/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - 765 FICO with 700 min<br>Months Reserves exceed minimum required - 109 months of reserves with 12 months min |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845579 | xxxxxx D A | Closed | xxxxxx | 2025-08-22 13:46 | 2025-09-05 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-09/05/2025 <br> Open-Missing Third Party Fraud Report. Provide all pages of the background Fraud Report. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-09/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - 765 FICO with 700 min<br>Months Reserves exceed minimum required - 109 months of reserves with 12 months min |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845581 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845728 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-11 08:51 | 2025-09-18 12:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received 4/2025 Statement. - Due Diligence Vendor-09/18/2025 <br> Open-xxxxxx 12 months - only provided 11 months. missing 4/25 bank statements 30 days activity. Auditor only used 11 months to qualify. - Due Diligence Vendor-09/11/2025 |  | Resolved-Received 4/2025 Statement. - Due Diligence Vendor-09/18/2025 | Months Reserves exceed minimum required - 20.74 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 680. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845728 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-09 15:11 | 2025-09-17 10:55 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received initial LE xxxxxx. $0.48 rounding. Finding resolved - Due Diligence Vendor-09/17/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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-09/17/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $8,574.48.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). - Due Diligence Vendor-09/09/2025 |  | Resolved-Received initial LE xxxxxx. $0.48 rounding. Finding resolved - Due Diligence Vendor-09/17/2025 | Months Reserves exceed minimum required - 20.74 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 680. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845728 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-09 16:13 | 2025-09-17 10:53 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-10/14/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); or The 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 Sunday As not being open on Saturday 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. Please note: This test does not validate the content of any list of homeownership counseling organizations.-----The homeownership counseling organizations disclosure in file is dated xxxxxx and not within three days of the application date of xxxxxx. - Due Diligence Vendor-09/09/2025 |  | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-10/14/2025 | Months Reserves exceed minimum required - 20.74 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 680. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845728 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-09 16:13 | 2025-09-17 10:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC xxxxxx. Finding resolved - Due Diligence Vendor-09/17/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,303.00) 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 increased by $3303 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 $3303, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. File is missing initial LE and SPL if applicable provided within 3 day of application date of xxxxxx. - Due Diligence Vendor-09/09/2025 |  | Resolved-Received COC xxxxxx. Finding resolved - Due Diligence Vendor-09/17/2025 | Months Reserves exceed minimum required - 20.74 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 680. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845728 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-09 16:13 | 2025-09-17 10:53 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received initial LE xxxxxx. Finding resolved - Due Diligence Vendor-09/17/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into 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. -----Per the xxxxxx and eSign Process docs in file the application date is xxxxxx. Earliest LE in file is dated xxxxxx. - Due Diligence Vendor-09/09/2025 |  | Resolved-Received initial LE xxxxxx. Finding resolved - Due Diligence Vendor-09/17/2025 | Months Reserves exceed minimum required - 20.74 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 680. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845728 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-09 16:02 | 2025-09-09 16:31 | 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 '18'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/09/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '18'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/09/2025 | Months Reserves exceed minimum required - 20.74 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 680. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845738 | xxxxxx C A | Closed | xxxxxx | 2025-08-28 16:26 | 2025-09-02 15:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with legal provided. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Resolved-Mortgage with legal provided. - Due Diligence Vendor-09/02/2025 | Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 25 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845738 | xxxxxx C A | Closed | xxxxxx | 2025-08-28 16:45 | 2025-09-02 15:01 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project is ineligible | Resolved-After further review, the guides state developer may be in control of the condominium association provided the Master Agreement allows for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time frame, which has been provided. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Escalated as the HOA give notice of when control is to be turned over. - Seller-09/02/2025 <br> Open-Guides state that a condo project is not eligible if the project is still under developer management. Both the most recent questionnaire and the appraisal state the project is still under developer control. - Due Diligence Vendor-08/28/2025 | Ready for Review-Escalated as the HOA give notice of when control is to be turned over. - Seller-09/02/2025 | Resolved-After further review, the guides state developer may be in control of the condominium association provided the Master Agreement allows for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time frame, which has been provided. - Due Diligence Vendor-09/02/2025 | Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 25 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845740 | xxxxxx D A | Closed | xxxxxx | 2025-08-22 07:28 | 2025-08-29 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing Final Closing Detail Statement Document. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Received final settlement statement. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 690; guidelines require 660. <br>Months Reserves exceed minimum required - 3.82 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845751 | 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 |  |  |  |
| 845772 | xxxxxx D A | Closed | xxxxxx | 2025-08-22 17:33 | 2025-09-04 10:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated HOA docs provided. DSCR is 1, 6 months of reserves required. - Due Diligence Vendor-09/03/2025 <br> Open-Audited Reserves of 7.72 month(s) are less than Guideline Required Reserves of 12 month(s) 12 months PITIA required for DSCR less than 1.00, per guidelines; borrower has 7.72 months reserves. Calcuklated DSCR is 0.987. - Due Diligence Vendor-08/22/2025 |  | Resolved-Updated HOA docs provided. DSCR is 1, 6 months of reserves required. - Due Diligence Vendor-09/03/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR of 1 exceeds .75 minimum.<br>LTV is less than guideline maximum - Qualifying LTV/CLTV 59.17; max allowable 75 LTV/CLTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845772 | xxxxxx D A | Closed | xxxxxx | 2025-08-22 14:55 | 2025-09-02 09:28 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Upon further review, the loan file contained all required PUD Rider documentation located within section 38 of security instrument. - Due Diligence Vendor-09/02/2025 <br> Open-PUD Rider is Missing Subject is located in a PUD, missing the required PUD rider. - Due Diligence Vendor-08/22/2025 |  | Resolved-Upon further review, the loan file contained all required PUD Rider documentation located within section 38 of security instrument. - Due Diligence Vendor-09/02/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR of 1 exceeds .75 minimum.<br>LTV is less than guideline maximum - Qualifying LTV/CLTV 59.17; max allowable 75 LTV/CLTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845775 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845807 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845810 | xxxxxx C B A | Closed | xxxxxx | 2025-08-29 10:57 | 2025-09-02 09:49 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Borrower provided 9 months of rental wire payments for primary. Lender exception in file to allows payment history in Lieu of VOM when mortgage is not reported on credit report for subject property. - Due Diligence Vendor-09/02/2025 <br> Open-Lender exception in file to allows payment history in Lieu of VOM when mortgage is not reported on credit report<br> 2) Missing for primary rent VOR's provided for current primary 2 months and former primary VOR we need 6 months cancelled checks on any VOM/VOR completed by a private party including LLC. both VOM for subject and VOR for current primary and former also need proof of 6 months cancelled checks. - Due Diligence Vendor-08/29/2025 |  | Resolved-Borrower provided 9 months of rental wire payments for primary. Lender exception in file to allows payment history in Lieu of VOM when mortgage is not reported on credit report for subject property. - Due Diligence Vendor-09/02/2025 | Months Reserves exceed minimum required - 20.74 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 690; minimum score 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845810 | xxxxxx C B A | Closed | xxxxxx | 2025-08-29 10:56 | 2025-09-02 09:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Allow payment history in lieu of VOM when mortgage is not reporting on credit report. pay history for subject in file.<br> - Due Diligence Vendor-09/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements-1) Missing VOM for subject property not reported on credit report.<br> Lender exception in file to allows payment history in Lieu of VOM when mortgage is not reported on credit report<br> 2) Missing for primary rent VOR's provided for current primary 2 months and former primary VOR we need 6 months cancelled checks on any VOM/VOR completed by a private party including LLC.<br> - Due Diligence Vendor-08/29/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Allow payment history in lieu of VOM when mortgage is not reporting on credit report. pay history for subject in file.<br> - Due Diligence Vendor-09/02/2025 | Months Reserves exceed minimum required - 20.74 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 690; minimum score 660. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 845817 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845825 | xxxxxx C B A | Closed | xxxxxx | 2025-09-08 22:19 | 2025-09-10 17:20 | 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-09/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception in file to Allow 3rd party documentation (4 mortgage statements and a transaction history with 2mo taxes & insurance for previous as<br> loan was free & clear) in lieu of VOM when mortgage is not reporting on credit report. - Due Diligence Vendor-09/10/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/10/2025 | Months Reserves exceed minimum required - 9.2 months reserves; 2 months reserves required.<br>Credit history exceeds minimum required - Fico is 689. 680 required. | Credit Score 20 points > minimum required<br> Reserves exceed requirement by 2 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845844 | xxxxxx C A | Closed | xxxxxx | 2025-09-19 21:14 | 2025-10-03 10:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received executed CD xxxxxx. Finding resolved. - Due Diligence Vendor-10/03/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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 $$3,155.44 (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 $3,155.44, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 year, expiration date xxxxxx. (Lender Credit for Transfer Taxes in amount of xxxxxx- Lender credit on Final Cd for fee's above legal limit in the amount of xxxxxx- Resolved - Due Diligence Vendor-09/20/2025 |  | Resolved-Received executed CD xxxxxx. Finding resolved. - Due Diligence Vendor-10/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 702, guideline minimum is 680.<br>Qualifying DTI below maximum allowed - the calculated DTI is 44.64%, guideline max is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845844 | xxxxxx C A | Closed | xxxxxx | 2025-09-19 21:14 | 2025-10-03 10:39 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received executed CD xxxxxx. Finding resolved. - Due Diligence Vendor-10/03/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD 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-09/20/2025 |  | Resolved-Received executed CD xxxxxx. Finding resolved. - Due Diligence Vendor-10/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 702, guideline minimum is 680.<br>Qualifying DTI below maximum allowed - the calculated DTI is 44.64%, guideline max is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845845 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845847 | 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 |  |  |  |
| 845848 | xxxxxx D B A | Closed | xxxxxx | 2025-09-29 14:39 | 2025-10-09 11:18 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-10/09/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-09/29/2025 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-10/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 719 FICO with 700 min<br>Months Reserves exceed minimum required - 5.86 months reserves with 3 months min |  | 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 |
| 845848 | xxxxxx D B A | Closed | xxxxxx | 2025-09-29 16:32 | 2025-10-06 13:31 | 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-10/06/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/29/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - 719 FICO with 700 min<br>Months Reserves exceed minimum required - 5.86 months reserves with 3 months min |  | 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 |
| 845848 | xxxxxx D B A | Closed | xxxxxx | 2025-09-29 16:32 | 2025-10-06 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-10/06/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-09/29/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - 719 FICO with 700 min<br>Months Reserves exceed minimum required - 5.86 months reserves with 3 months min |  | 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 |
| 845848 | xxxxxx D B A | Closed | xxxxxx | 2025-09-25 18:00 | 2025-09-25 18:45 | 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. - Due Diligence Vendor-09/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 719 FICO with 700 min<br>Months Reserves exceed minimum required - 5.86 months reserves with 3 months min |  | 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 |
| 846155 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846251 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846303 | xxxxxx D A | Closed | xxxxxx | 2025-09-15 03:47 | 2025-10-06 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received LOE from the employer. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Counter-Received addition WVOE reflecting start date xxxxxx-dated and signature are the same-missing confirmation from employer correction made to WVOE. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Missing corrected written VOE. WVOE (PDF 78) notes date of employment of xxxxxx but reports income for 2023 thru 2025. 1003 (PDF 4) notes a start date of xxxxxx. Additional findings may apply. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received LOE from the employer. - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - 29.01 months reserves and 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 680 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846303 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 10:02 | 2025-10-06 17:16 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received 1003 w/correct citizenship - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-\*NEW\* Received Perm Resident Alien card-provide correct final 1003 reflecting correct citizen designation. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-Received 1003 w/correct citizenship - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - 29.01 months reserves and 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 680 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846303 | xxxxxx D A | Closed | xxxxxx | 2025-09-12 11:14 | 2025-10-06 09:38 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-------Received PCCD, finding Resolved. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Counter-Provide PCCD with disbursement date after the ROR expiration date. Finding remains. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Loan Docs were signed on the xxxxxx and funded xxxxxx. - Seller-09/23/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide executed ROR - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Ready for Review-Document Uploaded. Loan Docs were signed on the xxxxxx and funded xxxxxx. - Seller-09/23/2025 | Resolved-------Received PCCD, finding Resolved. - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - 29.01 months reserves and 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 680 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846303 | xxxxxx D A | Closed | xxxxxx | 2025-09-15 04:08 | 2025-09-25 10:07 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received all pages to asset 1. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing page 5 for xxxxxx account. Additional findings may apply. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received all pages to asset 1. - Due Diligence Vendor-09/25/2025 | Months Reserves exceed minimum required - 29.01 months reserves and 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 680 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846303 | xxxxxx D A | Closed | xxxxxx | 2025-09-15 04:05 | 2025-09-25 10:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received OFAC and SAM reports clearing alerts. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence that high alerts for possible match to SAM.gov and OFAC for loan underwriter were cleared. Additional findings may apply. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received OFAC and SAM reports clearing alerts. - Due Diligence Vendor-09/25/2025 | Months Reserves exceed minimum required - 29.01 months reserves and 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 680 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846303 | xxxxxx D A | Closed | xxxxxx | 2025-09-15 03:34 | 2025-09-25 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing evidence of borrower's legal status in xxxxxx. 1003 (PDF 3) notes borrower is xxxxxx, but SSI card (PDF 332) is valid for work only which indicates non-perm resident. Additional findings may apply. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/25/2025 | Months Reserves exceed minimum required - 29.01 months reserves and 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 680 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846303 | xxxxxx D A | Closed | xxxxxx | 2025-09-12 10:47 | 2025-09-24 09:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Rec'd ROR. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Right of Rescission is Missing ----- Provide executed copy of ROR form.<br> - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Rec'd ROR. - Due Diligence Vendor-09/24/2025 | Months Reserves exceed minimum required - 29.01 months reserves and 2 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 680 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846320 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 08:22 | 2025-10-20 09:49 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received mortgage w/legal. - Due Diligence Vendor-10/01/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description in Mortgage chain. - Due Diligence Vendor-09/26/2025 |  | Resolved-Received mortgage w/legal. - Due Diligence Vendor-10/01/2025 | Qualifying DTI below maximum allowed - 29.27% DTI; max 50% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740; minimum 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 |
| 846320 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 10:12 | 2025-10-20 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-PUD rider provided. - Due Diligence Vendor-10/20/2025 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Property is a PUD per sales contract and appraisal. PUD Rider to mortgage is missing. - Due Diligence Vendor-09/26/2025 |  | Resolved-PUD rider provided. - Due Diligence Vendor-10/20/2025 | Qualifying DTI below maximum allowed - 29.27% DTI; max 50% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740; minimum 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 |
| 846320 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 10:12 | 2025-10-20 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD rider provided. - Due Diligence Vendor-10/20/2025 <br> Open-PUD Rider is Missing Property is a PUD per sales contract and appraisal. PUD Rider to mortgage is missing. - Due Diligence Vendor-09/26/2025 |  | Resolved-PUD rider provided. - Due Diligence Vendor-10/20/2025 | Qualifying DTI below maximum allowed - 29.27% DTI; max 50% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740; minimum 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 |
| 846320 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 11:20 | 2025-10-06 12:21 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received July Statement - Due Diligence Vendor-10/06/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Need two months of bank statements for xxxxxx Savings xxxxxx for funds to close/reserves. - Due Diligence Vendor-09/26/2025 |  | Resolved-Received July Statement - Due Diligence Vendor-10/06/2025 | Qualifying DTI below maximum allowed - 29.27% DTI; max 50% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740; minimum 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 |
| 846320 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 11:20 | 2025-10-06 12:21 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-Received July Statement. - Due Diligence Vendor-10/06/2025 <br> Open-Asset 3 Less Than 2 Months Verified Need two months of bank statements for xxxxxx Savings xxxxxx for funds to close/reserves. - Due Diligence Vendor-09/26/2025 |  | Resolved-Received July Statement. - Due Diligence Vendor-10/06/2025 | Qualifying DTI below maximum allowed - 29.27% DTI; max 50% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740; minimum 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 |
| 846320 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 14:13 | 2025-10-01 14:37 | Resolved | 1 - Information C A | Credit | Borrower | Clarification of Application Date | Resolved-Received confirmation of the application date. - Due Diligence Vendor-10/01/2025 <br> Open------Missing evidence of initial application date. Provide corrected initial application or lender cert/affidavit confirming the application date. - Due Diligence Vendor-09/25/2025 |  | Resolved-Received confirmation of the application date. - Due Diligence Vendor-10/01/2025 | Qualifying DTI below maximum allowed - 29.27% DTI; max 50% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740; minimum 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 |
| 846334 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 09:17 | 2025-09-19 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Upon further review, IEAD was located within the Note. - Due Diligence Vendor-09/19/2025 <br> Open-Missing IEAD - Due Diligence Vendor-09/10/2025 |  | Resolved-Upon further review, IEAD was located within the Note. - Due Diligence Vendor-09/19/2025 | LTV is less than guideline maximum - 70% LTV < 75% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 715, guideline minimum is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846334 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 09:20 | 2025-09-19 12:19 | 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-09/19/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing page 2 of the settlement statment. - Due Diligence Vendor-09/10/2025 |  | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-09/19/2025 | LTV is less than guideline maximum - 70% LTV < 75% maximum allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 715, guideline minimum is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846391 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846423 | xxxxxx C A | Closed | xxxxxx | 2025-09-11 08:40 | 2025-10-28 17:10 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-letter of explanation provided from the borrower. - Due Diligence Vendor-10/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower living rent free. Rent free permitted with letter of explanation. LOX missing - Due Diligence Vendor-09/11/2025 |  | Resolved-letter of explanation provided from the borrower. - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - 769 FICO, 680 required<br>Months Reserves exceed minimum required - 6 months reserves documented, 3 months required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846423 | xxxxxx C A | Closed | xxxxxx | 2025-09-11 08:46 | 2025-09-22 17:24 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Cash flow analysis provided. - Due Diligence Vendor-09/22/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements If income from the business is being used to qualify, then a cash flow analysis is required to support that the withdrawal of funds will not adversely impact the operation of the business. The most recent 3 months business bank statements must be reviewed. - Due Diligence Vendor-09/11/2025 |  | Resolved-Cash flow analysis provided. - Due Diligence Vendor-09/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - 769 FICO, 680 required<br>Months Reserves exceed minimum required - 6 months reserves documented, 3 months required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846485 | xxxxxx D A | Closed | xxxxxx | 2025-09-22 12:59 | 2025-10-01 11:27 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. FInding resolved. - Due Diligence Vendor-10/01/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-09/22/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. FInding resolved. - Due Diligence Vendor-10/01/2025 | Qualifying DTI below maximum allowed - DTI for the loan is 40.26% maximum Allowed is 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Borrower qualifying FICO score 716, minimum score required is 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 |
| 846485 | xxxxxx D A | Closed | xxxxxx | 2025-09-22 12:59 | 2025-10-01 11:27 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. FInding resolved. - Due Diligence Vendor-10/01/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-09/22/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. FInding resolved. - Due Diligence Vendor-10/01/2025 | Qualifying DTI below maximum allowed - DTI for the loan is 40.26% maximum Allowed is 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Borrower qualifying FICO score 716, minimum score required is 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 |
| 846485 | xxxxxx D A | Closed | xxxxxx | 2025-09-22 12:18 | 2025-10-01 11:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received executed Right of Rescission - Due Diligence Vendor-10/01/2025 <br> Open-Right of Rescission is Missing Missing Right to Cancel disclosure. - Due Diligence Vendor-09/22/2025 |  | Resolved-Received executed Right of Rescission - Due Diligence Vendor-10/01/2025 | Qualifying DTI below maximum allowed - DTI for the loan is 40.26% maximum Allowed is 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Borrower qualifying FICO score 716, minimum score required is 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 |
| 846528 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846638 | xxxxxx C A | Closed | xxxxxx | 2025-09-09 10:45 | 2025-09-16 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-09/16/2025 <br> Open-Foreign National but the ACH form is Missing from file. 1003 indicates non-perm resident however borrower has no social security number, borrower is a foreign national. - Due Diligence Vendor-09/09/2025 |  | Resolved-Received ACH - Due Diligence Vendor-09/16/2025 | Long term residence - Long term residence-owned primary for>than 10 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846638 | xxxxxx C A | Closed | xxxxxx | 2025-09-05 17:17 | 2025-09-16 10:54 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Good Standing - Due Diligence Vendor-09/16/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing Evidence of good standing for the state in which the entity was formed (e.g., Certificate of Good Standing, screen shot from state website). - Due Diligence Vendor-09/05/2025 |  | Resolved-Received Good Standing - Due Diligence Vendor-09/16/2025 | Long term residence - Long term residence-owned primary for>than 10 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846672 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 15:16 | 2025-10-06 17:13 | 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. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-REO xxxxxx - Missing evidence of Taxes as reflected on Final 1003. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-Received Tax Verification. - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 12.88 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 791. |  | 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 |
| 846672 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 09:12 | 2025-10-06 17:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE dated within 10 days of Note. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-Received VVOE. - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 12.88 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 791. |  | 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 |
| 846710 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 12:09 | 2025-09-22 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-09/22/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing. Business Purpose Affidavit is required on a DSCR. - Due Diligence Vendor-09/10/2025 |  | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-09/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 783 and minimum allowed is 700<br>Months Reserves exceed minimum required - Reserves = 12 months – Required Reserves = 0 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846759 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 12:41 | 2025-10-16 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received confirmation estimate 1.25% considered-corrected 1008/1003 received. - Due Diligence Vendor-10/16/2025 <br> Open-Missing Evidence of Property Tax Missing lender calculation for qualifying taxes as shown on 1008/final 1003. - Due Diligence Vendor-10/09/2025 |  | Resolved-Received confirmation estimate 1.25% considered-corrected 1008/1003 received. - Due Diligence Vendor-10/16/2025 | LTV is less than guideline maximum - LTV = 79.61% - Max LTV = 90%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 793 Min FICO = 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846790 | xxxxxx C A | Closed | xxxxxx | 2025-09-17 09:39 | 2025-10-15 12:57 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-After further review, an underwriter cert stating xxxxxx and xxxxxx are not related to the seller. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/13/2025 <br> Counter-Received ByLaws and Statement of Information for xxxxxx-missing Operating Agreement confirming sellers signatures and ownership. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/08/2025 <br> Counter-Seller is xxxxxx. Please provide LLC documentation for xxxxxx. - Due Diligence Vendor-10/03/2025 <br> Counter-Please provide documentation to support xxxxxx and xxxxxx are the owners of the Corporation AND evidence of who the owners are for LLC to ensure no interested party involvement in this triple flip transaction. Additional findings may apply. - Due Diligence Vendor-09/26/2025 <br> Open-Vested Owner Signature Requirement Not met. Title reflects current owner is a Corporation and previous owner was an LLC. Both the Corporation and LLC acquired the property on xxxxxx for a value over the original sale on xxxxxx. The Bylaws for the Corporation were received but do not identify the owners of the Corporation. The purchase contract is signed by two individuals that cannot be associated to the current owning Corporation. Missing evidence the sellers on contract are the owners of the Corporation AND evidence of who the owners are for LLC to ensure no interested party involvement in this triple flip transaction. Additional findings may apply. - Due Diligence Vendor-09/17/2025 |  | Resolved-After further review, an underwriter cert stating xxxxxx and xxxxxx are not related to the seller. - Due Diligence Vendor-10/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - 736 FICO; 680 required<br>Qualifying DTI below maximum allowed - Qualifying DTI 28.09%; max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846790 | xxxxxx C A | Closed | xxxxxx | 2025-09-17 09:39 | 2025-10-15 12:55 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received documentation to support the item was paid. - Due Diligence Vendor-09/26/2025 <br> Open-The subject property is not current on taxes. Missing confirmation that lien for taxes disclosed on Prelim Sch B No 11 was satisfied prior to closing. Payoff is not reflected on the Closing Disclosures. Additional findings may apply. - Due Diligence Vendor-09/17/2025 |  | Resolved-Received documentation to support the item was paid. - Due Diligence Vendor-09/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - 736 FICO; 680 required<br>Qualifying DTI below maximum allowed - Qualifying DTI 28.09%; max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846790 | xxxxxx C A | Closed | xxxxxx | 2025-09-19 16:13 | 2025-10-03 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received PCCD - Due Diligence Vendor-10/03/2025 <br> Counter-Please provide a corrected Closing Disclosure reflecting the correct PPP. - Due Diligence Vendor-09/26/2025 <br> Open-Max prepayment penalty per the terms of the Note is xxxxxx. Closing Disclosure shows xxxxxx and appears to be calculated on the Original Principal Balance rather than 20% of the original principal balance as defined on the Note. Additional findings may apply. - Due Diligence Vendor-09/19/2025 |  | Resolved-Received PCCD - Due Diligence Vendor-10/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - 736 FICO; 680 required<br>Qualifying DTI below maximum allowed - Qualifying DTI 28.09%; max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846817 | 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 |  |  |  |
| 846831 | xxxxxx C A | Closed | xxxxxx | 2025-09-15 15:57 | 2025-09-18 12:59 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Received AVM with a Confidence Score of 96% - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx please see attached for AMV was missing in my appraisal package xxxxxx :) - Seller-09/17/2025 <br> Open-Missing secondary valuation product - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. xxxxxx please see attached for AMV was missing in my appraisal package xxxxxx :) - Seller-09/17/2025 | Resolved-Received AVM with a Confidence Score of 96% - Due Diligence Vendor-09/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 812; minimum FICO 700 required<br>Months Reserves exceed minimum required - 46.27 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846861 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 12:26 | 2025-10-10 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-After further review, the file contains sufficient verification of self employment for at least 2 years. - Due Diligence Vendor-10/10/2025 <br> Counter-Received current license and registration-documentation does not confirm years in xxxxxx . Please provide acceptable validation of years in xxxxxx . - Due Diligence Vendor-10/09/2025 <br> Counter-Income documentation provided. Please provide employment dates verification. - Due Diligence Vendor-10/06/2025 <br> Counter-Please provide documentation to support the Final 1003. - Due Diligence Vendor-10/01/2025 <br> Open-Missing income of how long has borrower been xxxxxx . - Due Diligence Vendor-09/12/2025 |  | Resolved-After further review, the file contains sufficient verification of self employment for at least 2 years. - Due Diligence Vendor-10/10/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 40.89% max DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 698; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846861 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 13:38 | 2025-09-26 13:10 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received access letter and proof of 100% ownership. - Due Diligence Vendor-09/26/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements All accounts provided 1) xxxxxx , xxxxxx & xxxxxx Under xxxxxx. We need proof of ownership on these 3 accounts , operating agreement and LOX 100% access ltr. 2) xxxxxx has another joint owner. we need 100% access ltr to be able to use these funds for closing and reserves as EMD was used on this acct. - Due Diligence Vendor-09/12/2025 |  | Resolved-Received access letter and proof of 100% ownership. - Due Diligence Vendor-09/26/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 40.89% max DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 698; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846861 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 10:12 | 2025-09-22 11:12 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Legible copy of the Purchase Contract. - Due Diligence Vendor-09/22/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided.- Purchase Contract is very illegible. missing all pages of purchase contracts with any addendumts. - Due Diligence Vendor-09/12/2025 |  | Resolved-Received Legible copy of the Purchase Contract. - Due Diligence Vendor-09/22/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 40.89% max DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 698; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846861 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 19:13 | 2025-09-11 19:13 | 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-09/11/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-09/11/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 40.89% max DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 698; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846861 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 13:46 | 2025-09-11 14:22 | 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-09/11/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-09/11/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 40.89% max DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 698; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846902 | xxxxxx D B A | Closed | xxxxxx | 2025-04-17 15:01 | 2025-08-29 11:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator waiver provided for non-material finding with compensating factors. Exception for 1x30x12. Max allowable late payments are 0x30x12. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements \*New\* 1x60 exceeds the maximum of 0x60 allowed. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Waived-Originator waiver provided for non-material finding with compensating factors. Exception for 1x30x12. Max allowable late payments are 0x30x12. - Due Diligence Vendor-08/29/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.57%<br>CLTV is less than guidelines maximum - Lender max CLTV 85%, subject CLTV 69.99%. | FICO 723<br> 5+ years verified employment history<br> DTI is 5% below max allowed | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846902 | xxxxxx D B A | Closed | xxxxxx | 2025-04-11 17:26 | 2025-07-23 13:43 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Verification of Mortgage | Waived-Originator waiver applied to non-material finding with compensating factors- appears loan was transferred to another servicer, however we were provided with the history of mortgage payments made. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Counter-Please provided documentation to support the February Payment. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. The loan was transferred to xxxxxx per the attached document. The mortgage payment is impounded with no adverse effect on the qualifying ratios. - Seller-04/16/2025 <br> Open-REO xxxxxx on final 1003 missing VOM to confirm 12 month pay history. Mortgage is not reporting on credit report. - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Ready for Review-Document Uploaded. The loan was transferred to xxxxxx per the attached document. The mortgage payment is impounded with no adverse effect on the qualifying ratios. - Seller-04/16/2025 | Waived-Originator waiver applied to non-material finding with compensating factors- appears loan was transferred to another servicer, however we were provided with the history of mortgage payments made. - Due Diligence Vendor-07/23/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.57%<br>CLTV is less than guidelines maximum - Lender max CLTV 85%, subject CLTV 69.99%. | LTV is less than 5% per guideline max allowed<br> FICO is 20 points above min for 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 Post-Close | Yes | xxxxxx |
| 846902 | xxxxxx D B A | Closed | xxxxxx | 2025-04-12 10:48 | 2025-04-17 15:03 | 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. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. The loan was transferred to xxxxxx per the attached document. The mortgage payment is impounded with no adverse effect on the qualifying ratios. - Seller-04/16/2025 <br> Open-REO xxxxxx on final 1003 missing verification of PITI used by lender. - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. Document Uploaded. The loan was transferred to xxxxxx per the attached document. The mortgage payment is impounded with no adverse effect on the qualifying ratios. - Seller-04/16/2025 | Resolved-Received Mortgage Statement. - Due Diligence Vendor-04/17/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.57%<br>CLTV is less than guidelines maximum - Lender max CLTV 85%, subject CLTV 69.99%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846910 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 13:07 | 2025-10-02 07:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received letter of attestation of no affiliates. Finding resolved. - Due Diligence Vendor-10/02/2025 <br> Open-Required Affiliated Business Disclosure Missing - Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. Fees in Section B, paid to provider not listed on the Service provider list. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received letter of attestation of no affiliates. Finding resolved. - Due Diligence Vendor-10/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 788. Per guide, a minimum score required 680.<br>Qualifying DTI below maximum allowed - Borr DTI 25.61%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846918 | xxxxxx C A | Closed | xxxxxx | 2025-10-08 16:19 | 2025-10-13 07:53 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved------Received non borrower ROR. Finding Resolved. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached the notice of right of cancel for title-only borrower (xxxxxx). - Seller-10/10/2025 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form -----Missing ROR signed by Non-Borrowing Title Holder - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. Please see attached the notice of right of cancel for title-only borrower (xxxxxx). - Seller-10/10/2025 | Resolved------Received non borrower ROR. Finding Resolved. - Due Diligence Vendor-10/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - 777 vs. min FICO 660<br>LTV is less than guideline maximum - 48% vs. max 80% LTV |  | 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 |
| 846959 | xxxxxx C A | Closed | xxxxxx | 2025-10-15 15:15 | 2025-10-29 09:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 12 Months Income Verified is Missing | Resolved-Received complete business bank statements. - Due Diligence Vendor-10/29/2025 <br> Open-Missing 1 month bank statements (Feb 2025)- Only have 11 months provided in the file<br> - Due Diligence Vendor-10/15/2025 |  | Resolved-Received complete business bank statements. - Due Diligence Vendor-10/29/2025 | Months Reserves exceed minimum required - reserve guidlines: 12 months - borrower reserves: 15 months<br>Qualifying FICO score is at least 20 points above minimum for program - min fico: 680 current fico: 706 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846959 | xxxxxx C A | Closed | xxxxxx | 2025-10-15 15:19 | 2025-10-29 09:57 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-Received complete business bank statements. - Due Diligence Vendor-10/29/2025 <br> Open-ATR: Reasonable Income or Assets Not Considered Missing feb 2025 bank statement, only provided 11 months - Due Diligence Vendor-10/15/2025 |  | Resolved-Received complete business bank statements. - Due Diligence Vendor-10/29/2025 | Months Reserves exceed minimum required - reserve guidlines: 12 months - borrower reserves: 15 months<br>Qualifying FICO score is at least 20 points above minimum for program - min fico: 680 current fico: 706 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846959 | xxxxxx C A | Closed | xxxxxx | 2025-10-15 15:22 | 2025-10-29 09:57 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received complete business bank statements. - Due Diligence Vendor-10/29/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing feb 2025 bank statement, only provided 11 months - Due Diligence Vendor-10/15/2025 |  | Resolved-Received complete business bank statements. - Due Diligence Vendor-10/29/2025 | Months Reserves exceed minimum required - reserve guidlines: 12 months - borrower reserves: 15 months<br>Qualifying FICO score is at least 20 points above minimum for program - min fico: 680 current fico: 706 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846973 | xxxxxx B A | Closed | xxxxxx | 2025-10-22 11:51 | 2025-10-22 17:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow for - Property is ineligible as single entity ownership is > 20%. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/22/2025 <br> Open-Property is ineligible as single entity ownership is > 20%. Lender exception in file - Due Diligence Vendor-10/22/2025 |  | Waived-Client exception granted to allow for - Property is ineligible as single entity ownership is > 20%. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/22/2025 | Months Reserves exceed minimum required - 253 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 790 FICO, 660 required | LTV 10% or more below guidelines<br> Credit score 30+ points > required<br> DTI< 36%<br> Reserves exceed requirements by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847048 | xxxxxx C A | Closed | xxxxxx | 2025-10-06 13:29 | 2025-10-14 11:26 | 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-10/14/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description addendum is missing from the DOT. - Due Diligence Vendor-10/06/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/14/2025 | Months Reserves exceed minimum required - Months Reserves verified of 37 exceed minimum required of 3 months. <br>Qualifying DTI below maximum allowed - Qualifying DTI of 42.96% is below of maximum allowed DTI of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847065 | xxxxxx D A C | Closed | xxxxxx | 2025-10-06 12:41 | 2025-10-20 11:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation letter that lender has no affiliates. - Due Diligence Vendor-10/20/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-10/06/2025 |  | Resolved-Received attestation letter that lender has no affiliates. - Due Diligence Vendor-10/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720, qualifying score is 764<br>CLTV is less than guidelines maximum - 48.84% LTV is below 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 |
| 847065 | xxxxxx D A C | Closed | xxxxxx | 2025-10-07 12:23 | 2025-10-20 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-10/20/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-10/07/2025 |  | Resolved-Received LOE - Due Diligence Vendor-10/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720, qualifying score is 764<br>CLTV is less than guidelines maximum - 48.84% LTV is below 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 |
| 847070 | xxxxxx D A | Closed | xxxxxx | 2025-10-06 11:33 | 2025-10-06 16:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property tax calculation provided. - Due Diligence Vendor-10/06/2025 <br> Open-Missing Evidence of Property Tax (to match taxes on 1008) - Due Diligence Vendor-10/06/2025 |  | Resolved-Property tax calculation provided. - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 782. Min FICO required 660.<br>LTV is less than guideline maximum - LTV 62.96%. Max LTV allowed 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 |
| 847070 | xxxxxx D A | Closed | xxxxxx | 2025-10-06 12:16 | 2025-10-06 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-After further review, the property is detached and the appraisal contain and explanation from the appraiser. - Due Diligence Vendor-10/06/2025 <br> Open-Missing appraisal correct that shows property is attached as per photos - Due Diligence Vendor-10/06/2025 |  | Resolved-After further review, the property is detached and the appraisal contain and explanation from the appraiser. - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 782. Min FICO required 660.<br>LTV is less than guideline maximum - LTV 62.96%. Max LTV allowed 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 |
| 847070 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 11:44 | 2025-10-06 16:18 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Proof taxes have been paid current provided. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Open-The subject property is not current on taxes. The preliminary title report reflects that the supplemental taxes for the fiscal year 2024-2025 has been declared tax defaulted for non-payment. Provide documentation to verify that the supplemental taxes have been paid current. - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025 | Resolved-Proof taxes have been paid current provided. - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 782. Min FICO required 660.<br>LTV is less than guideline maximum - LTV 62.96%. Max LTV allowed 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 |
| 847077 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847086 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 847099 | xxxxxx C B A | Closed | xxxxxx | 2025-09-23 13:57 | 2025-10-15 11:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Client exception granted to accept aged loan. Waiver applied to non-material finding. - Due Diligence Vendor-10/15/2025 <br> Open-Seasoned (aged) loan delivery >= 120 from Note date xxxxxx, client exception not in file. additional requirements may apply. Additional findings may apply. - Due Diligence Vendor-09/23/2025 |  | Waived--Client exception granted to accept aged loan. Waiver applied to non-material finding. - Due Diligence Vendor-10/15/2025 | Qualifying DTI below maximum allowed - DTI max is 50% - we are at 31.64%.<br> Months Reserves exceed minimum required - 6 months reserves required. We have 23.68 months remaining |  | 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 |
| 847099 | xxxxxx C B A | Closed | xxxxxx | 2025-09-18 13:20 | 2025-10-15 11:08 | Waived | 2 - Non-Material C B | Credit | Insurance | xxxxxx Coverage not met | Waived--Client exception granted to allow as HOA reserves exceed the required coverage amount. Waiver applied to non-material finding. - Due Diligence Vendor-10/15/2025 <br> Open-xxxxxx Coverage not met. Need to verify xxxxxx Bond coverage in Master insurance for xxxxxx. Coverage must equal at least the sum of three months of assessments on all units in the project. - Due Diligence Vendor-09/18/2025 |  | Waived--Client exception granted to allow as HOA reserves exceed the required coverage amount. Waiver applied to non-material finding. - Due Diligence Vendor-10/15/2025 | Qualifying DTI below maximum allowed - DTI max is 50% - we are at 31.64%.<br>Months Reserves exceed minimum required - 6 months reserves required. We have 23.68 months remaining |  | 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 |
| 847099 | xxxxxx C B A | Closed | xxxxxx | 2025-09-18 14:29 | 2025-09-29 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, LOE is not required. - Due Diligence Vendor-09/29/2025 <br> Open-LOX for credit inquiries is missing. Updated credit report 4/19/25 had additional inquiries that were not addressed. - Due Diligence Vendor-09/18/2025 |  | Resolved-Upon further review, LOE is not required. - Due Diligence Vendor-09/29/2025 | Qualifying DTI below maximum allowed - DTI max is 50% - we are at 31.64%.<br>Months Reserves exceed minimum required - 6 months reserves required. We have 23.68 months remaining |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847099 | xxxxxx C B A | Closed | xxxxxx | 2025-09-17 12:00 | 2025-09-24 10:14 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | xxxxxx Subprime Home Loan Test | Waived-Client waiver applied to non material finding with comp factors, - Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 8.63% which is in excess of allowable threshold of APOR 6.35% + 1.75 = 8.1%. Loan was originated and disclosed properly and is compliant - Due Diligence Vendor-11/11/2025 <br> Open-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. -----Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 8.63% which is in excess of allowable threshold of APOR 6.35% + 1.75 = 8.1% (UW updated per email in guides) - Due Diligence Vendor-09/17/2025 |  | Waived-Client waiver applied to non material finding with comp factors, - Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 8.63% which is in excess of allowable threshold of APOR 6.35% + 1.75 = 8.1%. Loan was originated and disclosed properly and is compliant - Due Diligence Vendor-11/11/2025 | Qualifying DTI below maximum allowed - DTI max is 50% - we are at 31.64%.<br>Months Reserves exceed minimum required - 6 months reserves required. We have 23.68 months remaining |  | 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 |
| 847099 | xxxxxx C B A | Closed | xxxxxx | 2025-09-17 11:24 | 2025-09-17 11:24 | 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 '6'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-09/17/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '6'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-09/17/2025 | Qualifying DTI below maximum allowed - DTI max is 50% - we are at 31.64%.<br>Months Reserves exceed minimum required - 6 months reserves required. We have 23.68 months remaining |  | 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 |
| 847158 | xxxxxx D A | Closed | xxxxxx | 2025-09-30 15:06 | 2025-10-06 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-10/06/2025 <br> Open-Missing Third Party Fraud Report - Third Party Fraud Report is Missing - Due Diligence Vendor-09/30/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO 680 - Our FICO is 108 pts higher at 788<br>Qualifying DTI below maximum allowed - Max DTI is 50% - we are at 44.27% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847162 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847165 | xxxxxx C A | Closed | xxxxxx | 2025-10-15 15:46 | 2025-10-22 10:34 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded DOT including Exhibit A and applicable riders. - Due Diligence Vendor-10/22/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Ex A - Due Diligence Vendor-10/15/2025 |  | Resolved-Received Recorded DOT including Exhibit A and applicable riders. - Due Diligence Vendor-10/22/2025 | Months Reserves exceed minimum required - Required is 3 months / Audit over 13 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum 660 / Audit 755 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847188 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 13:33 | 2025-10-10 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-10/10/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/03/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - 7 months PITIA reserves; 3 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 30%; max permitted 50%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847189 | xxxxxx D A C | Closed | xxxxxx | 2025-10-02 13:44 | 2025-10-23 10:41 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-10/23/2025 <br> Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements<br> we need CDA Desk review from xxxxxx.<br> - Due Diligence Vendor-10/02/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-10/23/2025 | On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 718; minimum score 700. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847189 | xxxxxx D A C | Closed | xxxxxx | 2025-10-02 13:43 | 2025-10-23 10:40 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-10/23/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Secondary valuation required<br> we need CDA Desk review from xxxxxx.<br> also an eligible CU or LCA 2.5 or less. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-10/23/2025 | On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 718; minimum score 700. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847189 | xxxxxx D A C | Closed | xxxxxx | 2025-10-02 11:27 | 2025-10-20 11:56 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received valid COC and LE xxxxxx with increase. - Due Diligence Vendor-10/20/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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 $101.20 (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 $101.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations expires xxxxxx. <br> - Due Diligence Vendor-10/02/2025 |  | Resolved-Received valid COC and LE xxxxxx with increase. - Due Diligence Vendor-10/20/2025 | On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 718; minimum score 700. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847189 | xxxxxx D A C | Closed | xxxxxx | 2025-10-02 11:37 | 2025-10-20 11:55 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Received disclosure tracking for CD xxxxxx confirming same day delivery. - Due Diligence Vendor-10/20/2025 <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)). ------COC in file is dated xxxxxx, but next CD in file is dated xxxxxx. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received disclosure tracking for CD xxxxxx confirming same day delivery. - Due Diligence Vendor-10/20/2025 | On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 718; minimum score 700. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847189 | xxxxxx D A C | Closed | xxxxxx | 2025-10-02 15:10 | 2025-10-08 13:21 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-Upon further review, the Appraiser did not state any issues with the xxxxxx - Due Diligence Vendor-10/08/2025 <br> Open-Missing xxxxxx. - Due Diligence Vendor-10/02/2025 |  | Resolved-Upon further review, the Appraiser did not state any issues with the xxxxxx - Due Diligence Vendor-10/08/2025 | On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 718; minimum score 700. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847214 | xxxxxx D A | Closed | xxxxxx | 2025-10-06 11:56 | 2025-10-09 17:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received I-90 - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. Please see attachment. - Seller-10/07/2025 <br> Counter-Please provide the I-90 renewal request. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. Please see attached the proof of renewal request. - Seller-10/06/2025 <br> Open-Borrower Citizenship Documentation Is Missing Perm resident card expires within 90 days of closing. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Please see attachment. - Seller-10/07/2025 <br>Ready for Review-Document Uploaded. Please see attached the proof of renewal request. - Seller-10/06/2025<br>| Resolved-Received I-90 - Due Diligence Vendor-10/09/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Over $5K residual income.<br>Qualifying DTI below maximum allowed - Qualifying DTI 39% max 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847214 | xxxxxx D A | Closed | xxxxxx | 2025-10-06 11:54 | 2025-10-08 17:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. Please see attached the final title policy below. - Seller-10/06/2025 <br> Open-Title Document is Incomplete Missing title supplement showing sufficient title insurance coverage. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Please see attached the final title policy below. - Seller-10/06/2025<br>| Resolved-Title Document is Provided And Complete - Due Diligence Vendor-10/08/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Over $5K residual income.<br>Qualifying DTI below maximum allowed - Qualifying DTI 39% max 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847315 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-30 11:01 | 2025-10-14 11:05 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-10/07/2025; Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/14/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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 $35.00 (MERS Fee & Flood Certification - Single Charge or Life of Loan) 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 $35.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires xxxxxx.<br> - Due Diligence Vendor-09/30/2025 |  | Cured-10/07/2025; Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/14/2025 | Months Reserves exceed minimum required - The reserves for this loan exceed the minimum reserves required of 2 months <br>Qualifying DTI below maximum allowed - The DTI for this loan is below the maximum allowed of 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 |
| 847315 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-01 18:17 | 2025-10-07 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/01/2025 |  | Resolved-Received UDM - Due Diligence Vendor-10/07/2025 | Months Reserves exceed minimum required - The reserves for this loan exceed the minimum reserves required of 2 months <br>Qualifying DTI below maximum allowed - The DTI for this loan is below the maximum allowed of 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 |
| 847315 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-30 10:09 | 2025-10-01 11:35 | 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 - Due Diligence Vendor-09/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing - Client waiver applied to non-material Findings - Due Diligence Vendor-09/30/2025 | Months Reserves exceed minimum required - The reserves for this loan exceed the minimum reserves required of 2 months <br>Qualifying DTI below maximum allowed - The DTI for this loan is below the maximum allowed of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 847329 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847363 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847462 | xxxxxx D A C | Closed | xxxxxx | 2025-10-05 19:10 | 2025-10-13 18:02 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received updated PCCD with correct disbursement date. - Due Diligence Vendor-10/13/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-10/05/2025 |  | Resolved-Received updated PCCD with correct disbursement date. - Due Diligence Vendor-10/13/2025 | Months Reserves exceed minimum required - Borrower has 132 months of reserves, 9 months minimum required.<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 796 and minimum required is 720<br> Qualifying DTI below maximum allowed - 22.87% DTI ratio, 50% maximum DTI allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847462 | xxxxxx D A C | Closed | xxxxxx | 2025-10-06 09:45 | 2025-10-13 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received ITA on REO xxxxxx - Due Diligence Vendor-10/13/2025 <br> Open-Missing verification of insurance for non-subject property REO xxxxxx. - Due Diligence Vendor-10/06/2025 |  | Resolved-Received ITA on REO xxxxxx - Due Diligence Vendor-10/13/2025 | Months Reserves exceed minimum required - Borrower has 132 months of reserves, 9 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 796 and minimum required is 720<br>Qualifying DTI below maximum allowed - 22.87% DTI ratio, 50% maximum DTI allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847462 | xxxxxx D A C | Closed | xxxxxx | 2025-10-06 09:52 | 2025-10-13 10:49 | 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-10/13/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide an unexpired Gap Report. - Due Diligence Vendor-10/06/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-10/13/2025 | Months Reserves exceed minimum required - Borrower has 132 months of reserves, 9 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 796 and minimum required is 720<br>Qualifying DTI below maximum allowed - 22.87% DTI ratio, 50% maximum DTI allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847466 | xxxxxx C A | Closed | xxxxxx | 2025-10-07 11:43 | 2025-10-14 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received prepayment addendum to Note confirming 2 year prepay present. - Due Diligence Vendor-10/14/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '0'. No PPP on note, tape shows two year PPP. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received prepayment addendum to Note confirming 2 year prepay present. - Due Diligence Vendor-10/14/2025 | Qualifying DTI below maximum allowed - DTI is 25.36% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 712 and minimum allowed is 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847491 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847504 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 07:37 | 2025-10-09 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/09/2025 <br> Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-10/03/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 62.23 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 739. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847504 | xxxxxx D B A | Closed | xxxxxx | 2025-10-03 07:18 | 2025-10-09 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Upon further review, guidelines are silent. xxxxxx allows up to 12 months for a recert of value with exterior inspection which was in the loan file. - Due Diligence Vendor-10/09/2025 <br> Open-Primary Value Appraisal is Expired Primary appraisal completed xxxxxx. Appraisal Update not completed until xxxxxx. - Due Diligence Vendor-10/03/2025 |  | Resolved-Upon further review, guidelines are silent. xxxxxx allows up to 12 months for a recert of value with exterior inspection which was in the loan file. - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 62.23 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 739. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847504 | xxxxxx D B A | Closed | xxxxxx | 2025-10-02 07:50 | 2025-10-02 07:51 | 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-10/02/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-10/02/2025 | Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 62.23 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 739. |  | 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 |
| 847508 | xxxxxx D A | Closed | xxxxxx | 2025-09-30 13:26 | 2025-10-09 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification and 1st lien mortgage statement with impounds. - Due Diligence Vendor-10/09/2025 <br> Open-Missing Taxes, Insurance and HOA for Primary Residence xxxxxx - Due Diligence Vendor-09/30/2025 |  | Resolved-Received HOA verification and 1st lien mortgage statement with impounds. - Due Diligence Vendor-10/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 687<br>Months Reserves exceed minimum required - 3 months reserves required, borrower has 15.67 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847508 | xxxxxx D A | Closed | xxxxxx | 2025-09-30 12:30 | 2025-10-09 10:51 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Warranty Deed. - Due Diligence Vendor-10/09/2025 <br> Counter-Warranty Deed was not fully attached. - Due Diligence Vendor-10/06/2025 <br> Open-Property Title Issue Missing Deed from xxxxxx to xxxxxx<br>- Due Diligence Vendor-09/30/2025 |  | Resolved-Received Warranty Deed. - Due Diligence Vendor-10/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 687<br> Months Reserves exceed minimum required - 3 months reserves required, borrower has 15.67 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847508 | xxxxxx D A | Closed | xxxxxx | 2025-09-30 16:28 | 2025-10-09 10:50 | 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-10/07/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-09/30/2025 |  | Resolved-Received updated commitment w/sufficient coverage - Due Diligence Vendor-10/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 687<br>Months Reserves exceed minimum required - 3 months reserves required, borrower has 15.67 documented |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847528 | xxxxxx C A | Closed | xxxxxx | 2025-10-07 15:23 | 2025-10-09 13:42 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. Lender credit is on final CD. - Due Diligence Vendor-10/09/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxxxxx.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). 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. Statute of Limitations - 3 years, expiration date xxxxxx. -----$.45 is due to rounding (Flood Certification) - Due Diligence Vendor-10/07/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Lender credit is on final CD. - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - 9.39 months reserves exceed required 6 by 3.39 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 722 is higher than the required 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847528 | xxxxxx C A | Closed | xxxxxx | 2025-10-08 11:43 | 2025-10-09 12:56 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-After further review, the borrower is a non-perm resident alien. - Due Diligence Vendor-10/09/2025 <br> Open-Foreign National but the ACH form is Missing from file. Per guides appears to required an ACH pg 38 - Due Diligence Vendor-10/08/2025 |  | Resolved-After further review, the borrower is a non-perm resident alien. - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - 9.39 months reserves exceed required 6 by 3.39 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 722 is higher than the required 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847547 | xxxxxx D A | Closed | xxxxxx | 2025-10-15 13:39 | 2025-10-22 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Cert. - Due Diligence Vendor-10/22/2025 <br> Open-Missing Evidence of Property Tax Provide tax cert, milage or equivalent to verify tax calculation on a purchase. - Due Diligence Vendor-10/15/2025 |  | Resolved-Received Tax Cert. - Due Diligence Vendor-10/22/2025 | Months Reserves exceed minimum required - <br> Qualifying DTI below maximum allowed - Max DTI is 45, current is 31.79 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847551 | xxxxxx C A | Closed | xxxxxx | 2025-10-09 13:40 | 2025-10-17 14:01 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Desk Review provided. Value Supported.<br> - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached the CDA report which shows correct address. - Seller-10/16/2025 <br> Counter-Desk Review provided is for xxxxxx and the Subject property is xxxxxx - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached the CDA. - Seller-10/11/2025 <br> Open-Property Issues are identified for the property AVM Confidence score is below 90%. Outside of the guideline tolerances. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see attached the CDA report which shows correct address. - Seller-10/16/2025 <br> Ready for Review-Document Uploaded. Please see attached the CDA. - Seller-10/11/2025 | Resolved-Desk Review provided. Value Supported.<br> - Due Diligence Vendor-10/17/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30>than 40 months<br>Qualifying DTI below maximum allowed - DTI is 44.9% and max allowed is 50%<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines >than 13 years. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847551 | xxxxxx C A | Closed | xxxxxx | 2025-10-09 13:38 | 2025-10-17 13:59 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached the CDA report which shows correct address. - Seller-10/16/2025 <br> Counter-Desk Review provided is for xxxxxx and the Subject property is xxxxxx - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached the CDA. - Seller-10/11/2025 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is xxxxxx. Provide Secondary review that supports the appaised value. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see attached the CDA report which shows correct address. - Seller-10/16/2025 <br> Ready for Review-Document Uploaded. Please see attached the CDA. - Seller-10/11/2025 | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-10/17/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30>than 40 months<br>Qualifying DTI below maximum allowed - DTI is 44.9% and max allowed is 50%<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines >than 13 years. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847551 | xxxxxx C A | Closed | xxxxxx | 2025-10-09 13:46 | 2025-10-13 15:18 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Upon further review, the HOI expires xxxxxx - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. The insurance document we sent has a expiration date of xxxxxx. The insurance seems to cover the note date sufficiently. I would appreciate it if you could check the document again. - Seller-10/10/2025 <br> Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. Provide hazard Insurance effective prior to funding. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. The insurance document we sent has a expiration date of xxxxxx. The insurance seems to cover the note date sufficiently. I would appreciate it if you could check the document again. - Seller-10/10/2025 | Resolved-Upon further review, the HOI expires xxxxxx - Due Diligence Vendor-10/13/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30>than 40 months<br>Qualifying DTI below maximum allowed - DTI is 44.9% and max allowed is 50%<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines >than 13 years. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847563 | xxxxxx D A C | Closed | xxxxxx | 2025-09-22 10:43 | 2025-09-30 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Resolved-Revised PCCD provided reducing the seller concession to 6%. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-what do you need to cure the excess of $18.54? - Seller-09/26/2025 <br> Open-Max IPC is $8,460 (6% of the purchase price). Borrower received $8,478.54. - Due Diligence Vendor-09/22/2025 | Ready for Review-what do you need to cure the excess of $18.54? - Seller-09/26/2025 | Resolved-Revised PCCD provided reducing the seller concession to 6%. - Due Diligence Vendor-09/30/2025 | Months Reserves exceed minimum required - 52.98 months reserves. Guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 763. Min FICO required 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847563 | xxxxxx D A C | Closed | xxxxxx | 2025-09-22 09:13 | 2025-09-26 08:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Condo Rider is Missing | Resolved-Received DOT with Condo rider. Finding resolved. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. uploaded deed with Condo rider - Seller-09/25/2025 <br> Open-Condo Rider is Missing Provide a copy of the executed condo rider - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. uploaded deed with Condo rider - Seller-09/25/2025 | Resolved-Received DOT with Condo rider. Finding resolved. - Due Diligence Vendor-09/26/2025 | Months Reserves exceed minimum required - 52.98 months reserves. Guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 763. Min FICO required 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847604 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847640 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 12:24 | 2025-10-15 10:12 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received updated appraisal. - Due Diligence Vendor-10/15/2025 <br> Open-Property Issues are identified for the property DOT indicates PUD however appraisal does not indicate a PUD. - Due Diligence Vendor-09/23/2025 |  | Resolved-Received updated appraisal. - Due Diligence Vendor-10/15/2025 | Months Reserves exceed minimum required - Total qualifying 68 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 784; Guideline minimum FICO 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847640 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 15:45 | 2025-10-10 11:06 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-10/10/2025 <br> Open-ATR: Reasonable Income or Assets Not Considered Missing YTD P&L to support income. - Due Diligence Vendor-09/23/2025 |  | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - Total qualifying 68 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 784; Guideline minimum FICO 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847640 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 15:45 | 2025-10-10 11:06 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-10/10/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing YTD P&L to support income. - Due Diligence Vendor-09/23/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - Total qualifying 68 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 784; Guideline minimum FICO 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847640 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 13:45 | 2025-10-10 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received executed ytd P&L - Due Diligence Vendor-10/10/2025 <br> Counter-P&L provided is not signed and date as required by the guidelines. - Due Diligence Vendor-10/06/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing • When returns exceeds 120 days from note date, a YTD profit and loss statement, signed and dated by the borrower, up to an including the most recent month preceding the loan application date. The qualifying income is determined from the tax returns; the P&L is used to determine the stability of that income. Subject returns are more than 120 days. - Due Diligence Vendor-09/23/2025 |  | Resolved-Received executed ytd P&L - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - Total qualifying 68 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 784; Guideline minimum FICO 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847640 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 15:57 | 2025-10-09 10:47 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received revised commitment with the correct vesting. - Due Diligence Vendor-10/09/2025 <br> Open-Vested Owner Signature Requirement Not met. DOT reflects only the name the borrower, but title reflects vesting in xxxxxx and xxxxxx. - Due Diligence Vendor-09/23/2025 |  | Resolved-Received revised commitment with the correct vesting. - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - Total qualifying 68 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 784; Guideline minimum FICO 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847640 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 13:45 | 2025-10-06 11:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor-10/06/2025 <br> Open-Borrower 1 Tax Returns Not Signed Employment: 2.7.5.2.2 Self Employment Income: Returns to be signed and dated by each borrower. Returns in file are not signed. - Due Diligence Vendor-09/23/2025 |  | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - Total qualifying 68 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 784; Guideline minimum FICO 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847677 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 09:53 | 2025-10-27 13:32 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-LOX for credit inquiries is missing. There is an LOE on credit but it addresses employer and not the inquiries. Note Providence CU inquiry is on the GAP report, however xxxxxx is un-addressed - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Inquiry letter provided. - Due Diligence Vendor-10/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 814 exceeds min 660 per guides<br>Months Reserves exceed minimum required - 5 months reserves exceed min of 2 per guides |  | 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 |
| 847677 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 09:18 | 2025-10-24 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received Receipt of Paid Delinquent Taxes. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-The subject property is not current on taxes. It appears borrower purchased subject xxxxxx per xxxxxx yet taxes are delinquent per title and do not appear to have been paid on the CD, no other documentation reflects the taxes paid. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received Receipt of Paid Delinquent Taxes. - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 814 exceeds min 660 per guides<br>Months Reserves exceed minimum required - 5 months reserves exceed min of 2 per guides |  | 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 |
| 847677 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 09:59 | 2025-10-24 15:59 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received New Loan Terms and updated. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Per guides, xxxxxx credit report is required no more than 30 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio. xxxxxx on gap credit report does not have a payment included on credit or the 1003. Statement not found for the new creditor to verify a payment to include in the DTI ratio. Audit utilized the original balance / loan term to calculate an estimated payment. Additional conditions may apply upon review of the requisite documentation. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received New Loan Terms and updated. - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 814 exceeds min 660 per guides<br>Months Reserves exceed minimum required - 5 months reserves exceed min of 2 per guides |  | 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 |
| 847677 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 10:38 | 2025-10-24 15:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Rent Free letter not provided. Per guides, First-Time Homebuyers that do not have the required housing payment history are still eligible to qualify for a purchase transaction of a primary residence as long as they are living rent free with a Relative and provide a Letter of explanation (LOE) executed by such Relative confirming that there is/was no monthly obligation. Additional conditions may apply pending review of letter. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received Rent Free Letter. - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 814 exceeds min 660 per guides<br>Months Reserves exceed minimum required - 5 months reserves exceed min of 2 per guides |  | 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 |
| 847677 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 23:57 | 2025-10-23 14:51 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-This account is not being used for assets. - Due Diligence Vendor-10/23/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Per guides, business assets may be used for down payment, closing costs, and reserves if the borrower is ... (ii) at least a 50% owner of the business provided that there is a letter of explanation in the file which includes an attestation from all other owners of the business that the borrower is entitled to the funds.<br> Borrower is 70% owner of business and an attestation from all other owners that borrower is entitled to the funds is missing. - Due Diligence Vendor-10/17/2025 |  | Resolved-This account is not being used for assets. - Due Diligence Vendor-10/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 814 exceeds min 660 per guides<br>Months Reserves exceed minimum required - 5 months reserves exceed min of 2 per guides |  | 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 |
| 847688 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 14:49 | 2025-09-30 13:38 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-CDA and CU provided supporting value. - Due Diligence Vendor-09/30/2025 <br> Open--No secondary valuation was noted. - Due Diligence Vendor-09/26/2025 |  | Resolved-CDA and CU provided supporting value. - Due Diligence Vendor-09/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - 709 vs. min FICO 680<br>Months Reserves exceed minimum required - >7 months available vs. 0 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847713 | xxxxxx C A | Closed | xxxxxx | 2025-10-03 11:25 | 2025-10-22 10:44 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received LOX $24 is fee for EMD wire. - Due Diligence Vendor-10/22/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing explanation for difference in EMD being sent of xxxxxx vs purchase agreement of xxxxxx. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received LOX $24 is fee for EMD wire. - Due Diligence Vendor-10/22/2025 | LTV is less than guideline maximum - LTV is 85% and max allowed is 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 755 and minimum allowed is 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847715 | 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 |  |  |  |
| 847717 | xxxxxx D A | Closed | xxxxxx | 2025-09-22 14:32 | 2025-09-26 09:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received SPL with affiliation information. Finding resolved. - Due Diligence Vendor-09/26/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-09/22/2025 |  | Resolved-Received SPL with affiliation information. Finding resolved. - Due Diligence Vendor-09/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 760 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 14% is lower than allowable 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 |
| 847726 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 14:24 | 2025-10-10 13:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated assets provided for the trust. - Due Diligence Vendor-10/10/2025 <br> Counter-Received commentary: The additional assets are from the Trust, not the business. Borrower is both xxxxxx that has the power to manage the asset. Missing additional assets in Trust account as noted-please provide. <br> - Due Diligence Vendor-10/08/2025 <br> Counter-CPA letter provided is for xxxxxx. Please provide the documentation for xxxxxx. - Due Diligence Vendor-10/06/2025 <br> Counter-Please provide documentation to support the borrower is either (i) 100% owner of the business or (ii) at least a 50% owner of the business provided that there is a letter of explanation in the file which includes an attestation from all other owners of the business that the borrower is entitled to the funds - Due Diligence Vendor-09/30/2025 <br> Open-Audited Reserves of 1.75 month(s) are less than Guideline Required Reserves of 4 month(s) loan file is absent sufficient 4 mos. reserves P/I only. - Due Diligence Vendor-09/25/2025 |  | Resolved-Updated assets provided for the trust. - Due Diligence Vendor-10/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 763 Min FICO = 720<br>Qualifying DTI below maximum allowed - DTI = 18.59% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847726 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 14:24 | 2025-09-26 13:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Client exception granted to allow loan amount > $2,500,000 with LTV of 80%, Non-materialwaiver applied with comp factors. non-material due to credit history and score. - Due Diligence Vendor-09/26/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $2500000 Loan file is absent approved exception for loan amount of xxxxxx with LTV of 80%. - Due Diligence Vendor-09/25/2025 |  | Waived-Client exception granted to allow loan amount > $2,500,000 with LTV of 80%, Non-materialwaiver applied with comp factors. non-material due to credit history and score. - Due Diligence Vendor-09/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 763 Min FICO = 720<br>Qualifying DTI below maximum allowed - DTI = 18.59% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847726 | xxxxxx C B A | Closed | xxxxxx | 2025-09-24 13:15 | 2025-09-24 13:15 | 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 Findings.<br> - Due Diligence Vendor-09/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 763 Min FICO = 720<br>Qualifying DTI below maximum allowed - DTI = 18.59% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847788 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847840 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847858 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 13:28 | 2025-11-10 13:28 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-11/10/2025 <br> Resolved-Received Desk review. Value supported. - Due Diligence Vendor-10/10/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Finidng set - Due Diligence Vendor-10/08/2025 |  | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-11/10/2025 <br> Resolved-Received Desk review. Value supported. - Due Diligence Vendor-10/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 789 and minimum allowed is 660<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847858 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 14:00 | 2025-10-10 09:51 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. - Due Diligence Vendor-10/10/2025 <br> Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements. Missing a secondary Valuation to support value. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received Desk Review. - Due Diligence Vendor-10/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 789 and minimum allowed is 660<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847858 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 13:42 | 2025-10-10 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements, VOR received. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements. Missing verification of rent or evidenced by cancelled checks. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-Housing History Meets Guideline Requirements, VOR received. - Due Diligence Vendor-11/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 789 and minimum allowed is 660<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847858 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 13:45 | 2025-10-10 09:36 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report. All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/10/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists. Missing all pages of the Fraud Report. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received Fraud Report. All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 789 and minimum allowed is 660<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847858 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 13:45 | 2025-10-10 09:36 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report. OFAC Check Completed and Cleared - Due Diligence Vendor-10/10/2025 <br> Open-OFAC Check Not Completed and/or Cleared. Missing all pages of the Fraud Report. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received Fraud Report. OFAC Check Completed and Cleared - Due Diligence Vendor-10/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 789 and minimum allowed is 660<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847858 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 13:45 | 2025-10-10 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-10/10/2025 <br> Open-Third Party Fraud Report Partially Provided. Missing all pages of the Fraud Report. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-10/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 789 and minimum allowed is 660<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847880 | 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 |  |  |  |
| 847886 | xxxxxx B A | Closed | xxxxxx | 2025-10-13 12:05 | 2025-10-17 09:27 | 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 6.933% is within allowable threshold of APOR of 6.54% + 1.75% or 8.29% - Due Diligence Vendor-10/17/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.933% is within allowable threshold of APOR of 6.54% + 1.75% or 8.29%. <br>- Due Diligence Vendor-10/13/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.933% is within allowable threshold of APOR of 6.54% + 1.75% or 8.29% - Due Diligence Vendor-10/17/2025 | CLTV is less than guidelines maximum - max ltv 80% current 54.861%<br>Qualifying FICO score is at least 20 points above minimum for program - min credit score 700; current 732 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847889 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847891 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 13:40 | 2025-10-13 09:19 | 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 7.125% is within allowable threshold of APOR of 6.54% + 1.75% or 8.29% - Due Diligence Vendor-10/13/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.125% is within allowable threshold of APOR of 6.54% + 1.75% or 8.29%. - Due Diligence Vendor-10/02/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.125% is within allowable threshold of APOR of 6.54% + 1.75% or 8.29% - Due Diligence Vendor-10/13/2025 | Months Reserves exceed minimum required - Minimum reserves are 6 months, Borowers have 8.4 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 767 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847891 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 13:36 | 2025-10-10 11:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/10/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-10/02/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - Minimum reserves are 6 months, Borowers have 8.4 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 767 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847891 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 12:02 | 2025-10-10 07:34 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-10/10/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($13,143.20) does not exceed or equal the comparable sum of specific and non-specific lender credits ($13,434.00). 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 $13,434.00 to $13,143.20 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $290.80, 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-10/02/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - Minimum reserves are 6 months, Borowers have 8.4 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 767 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847927 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847931 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 15:19 | 2025-10-13 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit received. - Due Diligence Vendor-10/13/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing, Gap credit report not located in file - Due Diligence Vendor-10/01/2025 |  | Resolved-Gap credit received. - Due Diligence Vendor-10/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680 - actual FICO is 778<br>On time mortgage history exceeds guideline requirement - 50+ months MORTGAGES paid as agreed with required 12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847931 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 16:36 | 2025-10-08 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received guaranty agreement. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/07/2025 <br> Counter-Guaranty Agreement was not attached. - Due Diligence Vendor-10/07/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Guaranty signed as member and not as individual. (Note signed as member also). - Due Diligence Vendor-10/01/2025 |  | Resolved-Received guaranty agreement. - Due Diligence Vendor-10/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680 - actual FICO is 778<br>On time mortgage history exceeds guideline requirement - 50+ months MORTGAGES paid as agreed with required 12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847931 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 15:20 | 2025-10-07 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-10/07/2025 <br> Open-Missing Third Party Fraud Report Fraud report missing from file OFAC not run. Additional findings may apply upon receipt. - Due Diligence Vendor-10/01/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-10/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680 - actual FICO is 778<br>On time mortgage history exceeds guideline requirement - 50+ months MORTGAGES paid as agreed with required 12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847945 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 11:15 | 2025-10-09 10:42 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Final Title. - Due Diligence Vendor-10/09/2025 <br> Open-Property Title Issue Missing Purposed insured. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received Final Title. - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - 6 months required, subject 23..6 months <br>Qualifying DTI below maximum allowed - 50% allowed. Subject 4.19% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847945 | xxxxxx C A | Closed | xxxxxx | 2025-09-30 16:30 | 2025-10-09 09:02 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD xxxxxx, finding resolved. - Due Diligence Vendor-10/09/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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 $50.00 (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 $50.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expires xxxxxx. - Due Diligence Vendor-09/30/2025 |  | Resolved-Received PCCD xxxxxx, finding resolved. - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - 6 months required, subject 23..6 months <br>Qualifying DTI below maximum allowed - 50% allowed. Subject 4.19% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847947 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 12:15 | 2025-10-20 13:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Correct liabilities. The secondary financing was included int he DTI twice. - Due Diligence Vendor-10/20/2025 <br> Counter-Lease and xxxxxx documentation provided. DTI remains the same. - Due Diligence Vendor-10/15/2025 <br> Open-Audited DTI of 53.1% exceeds Guideline DTI of 50% \*New\* Received credit refresh with 3 new accounts open--xxxxxx Lease $498, xxxxxx $243 and xxxxxx $36--ratios exceed 50% Please note final 1003 reflects other liability $1,599 included in DTI and not identified. - Due Diligence Vendor-10/08/2025 |  | Resolved-Correct liabilities. The secondary financing was included int he DTI twice. - Due Diligence Vendor-10/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - 765 FICO, 680 required<br>Months Reserves exceed minimum required - 49 months reserves documented, 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847947 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 10:07 | 2025-10-20 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing 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. - Due Diligence Vendor-10/02/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-10/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - 765 FICO, 680 required<br>Months Reserves exceed minimum required - 49 months reserves documented, 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847966 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 18:51 | 2025-10-24 10:54 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received fraud report reflecting all Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/24/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists A fraud report is missing from the loan file which would include the OFAC/Participants list. - Due Diligence Vendor-10/20/2025 |  | Resolved-Received fraud report reflecting all Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score is 660 and the borrower has a 765. <br> Months Reserves exceed minimum required - Audit confirmed the borrower has over 15 months of reserves after closing. |  | 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 |
| 847966 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 18:51 | 2025-10-24 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-10/24/2025 <br> Open-Missing Third Party Fraud Report A fraud report is missing from the loan file which would include the OFAC/Participants list. - Due Diligence Vendor-10/20/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score is 660 and the borrower has a 765. <br> Months Reserves exceed minimum required - Audit confirmed the borrower has over 15 months of reserves after closing. |  | 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 |
| 847966 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 11:51 | 2025-10-24 10:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received initial LE xxxxxx. - Due Diligence Vendor-10/24/2025 <br> Open------ missing initial LE: unable to run compliance and calculate fees and tolerances. Findings may still apply. - Due Diligence Vendor-10/20/2025 |  | Resolved-Received initial LE xxxxxx. - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score is 660 and the borrower has a 765. <br> Months Reserves exceed minimum required - Audit confirmed the borrower has over 15 months of reserves after closing. |  | 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 |
| 847969 | xxxxxx D A C | Closed | xxxxxx | 2025-10-02 11:24 | 2025-10-10 11:12 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received confirmation from insurer no claims made. - Due Diligence Vendor-10/10/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursed xxxxxx - Due Diligence Vendor-10/02/2025 |  | Resolved-Received confirmation from insurer no claims made. - Due Diligence Vendor-10/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - 707 vs. min FICO 680<br>Qualifying DTI below maximum allowed - 21.60% vs. max DTI 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847969 | xxxxxx D A C | Closed | xxxxxx | 2025-10-01 08:20 | 2025-10-09 09:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/09/2025 <br> Open-The Initial 1003 is Missing Initial signature date is missing - Due Diligence Vendor-10/01/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 707 vs. min FICO 680<br>Qualifying DTI below maximum allowed - 21.60% vs. max DTI 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847980 | xxxxxx C A | Closed | xxxxxx | 2025-09-26 16:04 | 2025-10-08 13:59 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-Upon further review, appraisal comment there was an issue, nothing further is required. - Due Diligence Vendor-10/08/2025 <br> Open-Originator to provide Certification that subject meets state xxxxxx requirements. Appraiser did not comment)<br>- Due Diligence Vendor-09/26/2025 |  | Resolved-Upon further review, appraisal comment there was an issue, nothing further is required. - Due Diligence Vendor-10/08/2025 | Qualifying DTI below maximum allowed - 50% DTI max - loan has 30.43% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO - Borrower has 709 FICO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847982 | xxxxxx C B A | Closed | xxxxxx | 2025-10-10 13:45 | 2025-10-16 10:59 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated fraud report reflecting alerts resolved. - Due Diligence Vendor-10/16/2025 <br> Open-Fraud Report Shows Uncleared Alerts Appraiser name is a hit for xxxxxx exclusionary list. Additionally the appraiser's license certification number is also a match. - Due Diligence Vendor-10/13/2025 |  | Resolved-Received updated fraud report reflecting alerts resolved. - Due Diligence Vendor-10/16/2025 | On time mortgage history exceeds guideline requirement - 0x30 13+ years<br>Verified employment history exceeds guidelines - 9 years same business |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847982 | xxxxxx C B A | Closed | xxxxxx | 2025-10-09 17:07 | 2025-10-10 09:39 | 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-10/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/10/2025 | On time mortgage history exceeds guideline requirement - 0x30 13+ years<br>Verified employment history exceeds guidelines - 9 years same business |  | 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 |
| 848014 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 12:54 | 2025-10-23 16:31 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing secondary valuation. Desk review in file shows the incorrect appraised value, cannot use. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-10/23/2025 | On time mortgage history exceeds guideline requirement - 0x30 for 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 721; min score 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 |
| 848014 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 10:07 | 2025-10-23 16:29 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 12 days old - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-10/23/2025 | On time mortgage history exceeds guideline requirement - 0x30 for 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 721; min score 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 |
| 848014 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 10:42 | 2025-10-23 16:28 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Received xxxxxx lease-added payment. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Per Appraiser xxxxxx is leased pg 74; missing xxxxxx Agreement and payment amount. Debt to be added to the DTI. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Received xxxxxx lease-added payment. - Due Diligence Vendor-10/23/2025 | On time mortgage history exceeds guideline requirement - 0x30 for 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 721; min score 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 |
| 848033 | xxxxxx C B A | Closed | xxxxxx | 2025-10-07 12:43 | 2025-10-13 10:58 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/13/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-10/07/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/13/2025 | Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 59 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 727 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848033 | xxxxxx C B A | Closed | xxxxxx | 2025-10-07 13:08 | 2025-10-07 13:52 | 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-10/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-10/07/2025 | Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 59 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 727 |  | 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 |
| 848116 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 14:05 | 2025-10-10 16:48 | 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> The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-10/10/2025 <br> Counter-Per assets, the borrower has been paying rent. Guidelines require any available portion of a 12-month housing history must be paid as agreed. - Due Diligence Vendor-10/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent-free letter - Due Diligence Vendor-09/25/2025 |  | Waived-Client exception granted, waiver applied with comp factors.<br> The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - 11.94 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 792, MINIMUM IS 680 | 1 - Credit Score 30+ points > minimum required / Compensating Factor <br> 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor <br> 3 - 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 |
| 848116 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 17:37 | 2025-10-06 10:28 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received Revised 1003. - Due Diligence Vendor-10/06/2025 <br> Open-Borrower is a FTHB. Does not own primary residence. Missing updated 1003 reflecting this and removing property from REO section - Due Diligence Vendor-09/25/2025 |  | Resolved-Received Revised 1003. - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - 11.94 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 792, MINIMUM IS 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848125 | 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 |  |  |  |
| 848175 | xxxxxx D A | Closed | xxxxxx | 2025-10-07 08:56 | 2025-10-10 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-10/10/2025 <br> Open-Missing Third Party Fraud Report The loan file is missing the third party fraud report as required. - Due Diligence Vendor-10/07/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-10/10/2025 | Qualifying DTI below maximum allowed - DTI = 42.88% - Max DTI = 50%<br>LTV is less than guideline maximum - LTV = 41.38% - Max LTV = 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 |
| 848198 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848213 | xxxxxx C B A | Closed | xxxxxx | 2025-10-14 16:50 | 2025-10-23 11:32 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received validation of assets. - Due Diligence Vendor-10/23/2025 <br> Counter-Missing: 2. An additional $8,430.67 also appears as a deposit on this CD but there is no other indication as to what this is. - Due Diligence Vendor-10/20/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Short funds to close and reserves due to the following <br>1. No evidence showing $200K give was sent and cleared from donor. <br>2. An additional $8,430.67 also appears as a deposit on this CD but there is no other indication as to what this is. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received validation of assets. - Due Diligence Vendor-10/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - 766 > 660 required<br>LTV is less than guideline maximum - 77.46% < 85% allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848213 | xxxxxx C B A | Closed | xxxxxx | 2025-10-14 16:45 | 2025-10-23 11:21 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received confirmation additional deposit of $8430.67 came from borrowers own funds. - Due Diligence Vendor-10/23/2025 <br> Counter-Client comments - Gift funds of 200k wired by donor at closing. - AUDIT RESPONSE - please provide the documentation for the $200k gift funds and the source of the $8,430.67.<br> - Due Diligence Vendor-10/22/2025 <br> Counter-Received title receipt for $200k gift-missing 2. An additional $8,430.67 also appears as a deposit on this CD but there is no other indication as to what this is. - Due Diligence Vendor-10/20/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-124978.75'. Assets are Insufficient. 1. No evidence showing $200K give was sent and cleared from donor. <br>2. An additional $8,430.67 also appears as a deposit on this CD but there is no other indication as to what this is. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received confirmation additional deposit of $8430.67 came from borrowers own funds. - Due Diligence Vendor-10/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - 766 > 660 required<br>LTV is less than guideline maximum - 77.46% < 85% allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848213 | xxxxxx C B A | Closed | xxxxxx | 2025-10-14 16:51 | 2025-10-23 11:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 12.14 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-10/20/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) 1. No evidence showing $200K give was sent and cleared from donor. <br>2. An additional $8,430.67 also appears as a deposit on this CD but there is no other indication as to what this is. - Due Diligence Vendor-10/14/2025 |  | Resolved-Audited Reserves of 12.14 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-10/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - 766 > 660 required<br>LTV is less than guideline maximum - 77.46% < 85% allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848213 | xxxxxx C B A | Closed | xxxxxx | 2025-10-13 12:52 | 2025-10-15 11:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived------Client waiver applied to non-material Findings. - Due Diligence Vendor-10/15/2025 <br> Open-The Home Loan Toolkit disclosure is missing. -----The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-10/13/2025 |  | Waived------Client waiver applied to non-material Findings. - Due Diligence Vendor-10/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - 766 > 660 required<br>LTV is less than guideline maximum - 77.46% < 85% allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848267 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848295 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848296 | xxxxxx C B A | Closed | xxxxxx | 2025-10-08 19:53 | 2025-10-14 11:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for <6 months PITIA reserves, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025 <br> Open-Audited Reserves of 5.17 month(s) are less than Guideline Required Reserves of 6 month(s) A 6 months P&I Reserves is required for loan amount >1,000.000. - Due Diligence Vendor-10/08/2025 |  | Waived-Client provided a waiver for <6 months PITIA reserves, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score of 800 and minimum score for program 720.<br> Qualifying DTI below maximum allowed - Qualifying DTI of 27.19 below maximum allowed of 50% | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848328 | xxxxxx C B A | Closed | xxxxxx | 2025-10-06 12:14 | 2025-10-10 10:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Received Credit Report used for qualification. Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-10/10/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% Borrower Credit score verified of 686 and the Max LTV/CLTV allow for this loan based in the Loan Amount and verified fico score is 70% . Borrower needs a minimum of 700 Credit score for LTV of 75% or Max Loan Amount of $350,000. The Lender to provide Exception to guidelines to allow loan to go to 75% CLTV or provide the Credit Report with the fico score used to qualify of 728 per the UW loan approval sheet. - Due Diligence Vendor-10/06/2025 |  | Resolved-Received Credit Report used for qualification. Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-10/10/2025 | Qualifying DTI below maximum allowed - Qualifying DTI for this loan is 33.19% and Max Allow is 50%. <br> Verified employment history exceeds guidelines - Minimum Verified of Employment history is 24 months, and the CPA letter in File Verified 5 years of Self-Employment. |  | 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 |
| 848328 | xxxxxx C B A | Closed | xxxxxx | 2025-10-03 15:37 | 2025-10-03 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-10/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/03/2025 | Qualifying DTI below maximum allowed - Qualifying DTI for this loan is 33.19% and Max Allow is 50%. <br> Verified employment history exceeds guidelines - Minimum Verified of Employment history is 24 months, and the CPA letter in File Verified 5 years of Self-Employment. |  | 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 |
| 848329 | xxxxxx C B A | Closed | xxxxxx | 2025-10-14 15:06 | 2025-10-16 10:56 | Waived | 2 - Non-Material C B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Client provided a waiver for rent loss coverage, applied to non material finding with comp factors - Due Diligence Vendor-10/16/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Missing confirmation that the loss of use coverage on the policy covers loss of rents. - Due Diligence Vendor-10/14/2025 |  | Waived-Client provided a waiver for rent loss coverage, applied to non material finding with comp factors - Due Diligence Vendor-10/16/2025 | Months Reserves exceed minimum required - 6 MONTHS RESERVES REQUIRED AND THE BORROWER HAS 46 MONTHS.<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum 660 FICO and the borrower has a 716 FICO | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> DTI <= 40% which is below requirement in guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848341 | xxxxxx B A | Closed | xxxxxx | 2025-10-07 13:18 | 2025-11-10 13:13 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings - Due Diligence Vendor-10/07/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings - Due Diligence Vendor-10/07/2025 | LTV is less than guideline maximum - LTV = 65.72% - Max LTV = 70%<br>Qualifying DTI below maximum allowed - DTI = 39.2% - Max DTI = 50% |  | 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 |
| 848344 | xxxxxx B A | Closed | xxxxxx | 2025-10-10 14:50 | 2025-10-14 17:48 | 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 6.985% is within allowable threshold of APOR of 6.54% + 1.75% or 8.29%. - Due Diligence Vendor-10/14/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.985% is within allowable threshold of APOR of 6.54% + 1.75% or 8.29%. <br>- Due Diligence Vendor-10/10/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.985% is within allowable threshold of APOR of 6.54% + 1.75% or 8.29%. - Due Diligence Vendor-10/14/2025 | Qualifying DTI below maximum allowed - max dti 50% current dti 21%<br>Qualifying FICO score is at least 20 points above minimum for program - minimum credit 660 - current credit 716 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848428 | xxxxxx B A | Closed | xxxxxx | 2025-10-10 16:20 | 2025-10-16 10:45 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation that lender has no affiliates. - Due Diligence Vendor-10/16/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Service Provider list in file does not include all title fee payees. Additional Findings may apply upon receipt. - Due Diligence Vendor-10/10/2025 |  | Resolved-Received attestation that lender has no affiliates. - Due Diligence Vendor-10/16/2025 | LTV is less than guideline maximum - LTV < 60% is les than guideline max of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Fico of 765 is greater than min score of 720 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 |
| 848428 | xxxxxx B A | Closed | xxxxxx | 2025-10-10 15:58 | 2025-10-14 10:25 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime Loan - APR on subject loan is 8.111% which is within allowable threshold of APOR 6.32% + 3.75 = 10.07% - Due Diligence Vendor-10/14/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime Loan - APR on subject loan is 8.111% which is within allowable threshold of APOR 6.32% + 3.75 = 10.07% - Due Diligence Vendor-10/10/2025 |  | Resolved-Compliant xxxxxx Subprime Loan - APR on subject loan is 8.111% which is within allowable threshold of APOR 6.32% + 3.75 = 10.07% - Due Diligence Vendor-10/14/2025 | LTV is less than guideline maximum - LTV < 60% is les than guideline max of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Fico of 765 is greater than min score of 720 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 |
| 848436 | xxxxxx C A | Closed | xxxxxx | 2025-10-10 14:13 | 2025-10-15 17:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in appraisal fee. - Due Diligence Vendor-10/15/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $26.00.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 $26.00 Appraisal/CDA 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 $26.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - Statute of Limitations - 3 years, expiration date xxxxxx . - Due Diligence Vendor-10/10/2025 |  | Resolved-Received COC for increase in appraisal fee. - Due Diligence Vendor-10/15/2025 | Months Reserves exceed minimum required - 52 months of reserves, 3 months minimum required.<br> Qualifying FICO score is at least 20 points above minimum for program - The minimum FICO score requirement is 660, the borrowers' qualifying score is 712. |  | 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 |
| 848436 | xxxxxx C A | Closed | xxxxxx | 2025-10-10 15:29 | 2025-10-15 17:04 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. - Due Diligence Vendor-10/15/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-10/10/2025 |  | Resolved-Received Affiliated Business Disclosure. - Due Diligence Vendor-10/15/2025 | Months Reserves exceed minimum required - 52 months of reserves, 3 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum FICO score requirement is 660, the borrowers' qualifying score is 712. |  | 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 |
| 848466 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848467 | xxxxxx C A | Closed | xxxxxx | 2025-09-22 13:49 | 2025-10-08 16:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received sufficient housing history. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Counter-Guidelines require Housing History for Primary Residence and Matrix requires 12-month history - max 1x30x12. File is still missing complete 12-month Primary Housing History. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, Please see attached the lender cert. Per our guideline, we only need to verify the current housing, not the previous one. Please waive this condition. - Seller-09/29/2025 <br> Counter-Received VOR from 4/2025 only-guidelines required 12 month housing history per matrix. Finding remains. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR Housing History 1x30x12 month verification required. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, Please see attached the lender cert. Per our guideline, we only need to verify the current housing, not the previous one. Please waive this condition. - Seller-09/29/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/26/2025 | Resolved-Received sufficient housing history. - Due Diligence Vendor-10/08/2025 | Qualifying DTI below maximum allowed - Borr DTI 41.65%. Per guides, maximum DTI 49.99%.<br>LTV is less than guideline maximum - Borr LTV 75%. Per guides, maximum LTV 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848467 | xxxxxx C A | Closed | xxxxxx | 2025-09-22 14:16 | 2025-10-08 16:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received sufficient housing history. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. xxxxxx please see attached the VOR for previous rent. xxxxxx - Seller-10/07/2025 <br> Counter-Guidelines require Housing History for Primary Residence and Matrix requires 12-month history - max 1x30x12. File is still missing complete 12-month Primary Housing History. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, Please see attached the lender cert. Per our guideline, we only need to verify the current housing, not the previous one. Please waive this condition. - Seller-09/29/2025 <br> Counter-Received VOR from 4/2025 only-guidelines required 12 month housing history per matrix. Finding remains. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/26/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOR Housing History 1x30x12 month verification required. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. xxxxxx please see attached the VOR for previous rent. xxxxxx - Seller-10/07/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, Please see attached the lender cert. Per our guideline, we only need to verify the current housing, not the previous one. Please waive this condition. - Seller-09/29/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/26/2025 | Resolved-Received sufficient housing history. - Due Diligence Vendor-10/08/2025 | Qualifying DTI below maximum allowed - Borr DTI 41.65%. Per guides, maximum DTI 49.99%.<br>LTV is less than guideline maximum - Borr LTV 75%. Per guides, maximum LTV 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848486 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 13:31 | 2025-10-22 17:11 | Resolved | 1 - Information C A | Compliance | Disclosure | Incorrect ROR Form Type selected | Resolved-Received correct form. - Due Diligence Vendor-10/22/2025 <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 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR form H8 was provided for a same lender refi. - Due Diligence Vendor-10/16/2025 |  | Resolved-Received correct form. - Due Diligence Vendor-10/22/2025 | LTV is less than guideline maximum - 69.93 LTV is less than guideline maximum 75%<br> Qualifying FICO score is at least 20 points above minimum for program - 803 Qualifying FICO score is at least 20 points above minimum for program 680 |  | 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 |
| 848538 | xxxxxx B A | Closed | xxxxxx | 2025-10-06 14:25 | 2025-10-06 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-10/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - minimum is 4 months PITIA reserves - actual is 15.05 months reserves <br>Qualifying DTI below maximum allowed - 50% DTI - actual 43.52% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848627 | xxxxxx D A | Closed | xxxxxx | 2025-10-15 10:38 | 2025-10-20 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/17/2025 <br> Counter-Fraud report in the loan file is not dated within 30 days of closing or after closing. - Due Diligence Vendor-10/16/2025 <br> Counter-UDM reflecting on Fraud Report is dated 8/27/25-provide update - Due Diligence Vendor-10/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit. - Due Diligence Vendor-10/15/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-10/20/2025 | Months Reserves exceed minimum required - <br>Qualifying FICO score is at least 20 points above minimum for program - 680 FICO REQUIRED AND THE BORROWER HAS A 704 |  | 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 |
| 848694 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 848707 | xxxxxx C A | Closed | xxxxxx | 2025-10-03 11:53 | 2025-10-22 11:40 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-10/22/2025 <br> Open-LOX for credit inquiries is missing. Missing the letter of explanation for the credit inquiries. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received LOE - Due Diligence Vendor-10/22/2025 | Months Reserves exceed minimum required - Verified reserves equal 15.08 months, guidel;ines require 12 months.<br>Qualifying DTI below maximum allowed - Qualifying DTI 13.5%; max permitted 50%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848714 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-06 13:33 | 2025-10-13 07:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for appraisal fee increase. Finding Resolved. - Due Diligence Vendor-10/13/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $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). -----Zero (0%) tolerance fees increased by $115.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $115.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-10/06/2025 |  | Resolved-----Received COC for appraisal fee increase. Finding Resolved. - Due Diligence Vendor-10/13/2025 | Qualifying DTI below maximum allowed - DTI = 21.05% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 743 Min FICO = 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848714 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-08 08:43 | 2025-10-10 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Work Sheet - Due Diligence Vendor-10/10/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-10/08/2025 |  | Resolved-Received Bank Statement Work Sheet - Due Diligence Vendor-10/10/2025 | Qualifying DTI below maximum allowed - DTI = 21.05% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 743 Min FICO = 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848714 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-08 08:45 | 2025-10-10 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history supporting the VOR. - Due Diligence Vendor-10/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing supporting canceled checks/bank statements supporting the VOR. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received payment history supporting the VOR. - Due Diligence Vendor-10/10/2025 | Qualifying DTI below maximum allowed - DTI = 21.05% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 743 Min FICO = 680 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848714 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-07 17:55 | 2025-10-08 08:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted to allow 11 months reserves instead of the 12 required. Non-materialwaiver applied with comp factors. non-material due to all funds from borrower. - Due Diligence Vendor-10/08/2025 <br> Open-Audited Reserves of 11.05 month(s) are less than Guideline Required Reserves of 12 month(s) Guidelines require 12 months of reserves. The borrower has 11.05 months. Exception in the loan file for 12 month reserves requirement stating the borrower has 8 months, plus $3403 verified for open 30 day xxxxxx payment. - Due Diligence Vendor-10/07/2025 |  | Waived-Client exception granted to allow 11 months reserves instead of the 12 required. Non-materialwaiver applied with comp factors. non-material due to all funds from borrower. - Due Diligence Vendor-10/08/2025 | Qualifying DTI below maximum allowed - DTI = 21.05% - Max DTI = 50%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 743 Min FICO = 680 | Credit score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2x the amount required by guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848745 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 12:16 | 2025-10-08 08:57 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Reveived intial CD xxxxxx including all pages, finding resolved. - Due Diligence Vendor-10/08/2025 <br> Open------Initial CD xxxxxx is missing page 5. Additional Findings may apply upon receipt. - Due Diligence Vendor-10/02/2025 |  | Resolved-Reveived intial CD xxxxxx including all pages, finding resolved. - Due Diligence Vendor-10/08/2025 | Months Reserves exceed minimum required - Borrower has 14.49 months of reserves and only needs 4 months to qualify.<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 712 and minimum allowed is 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848747 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 05:52 | 2025-10-21 14:51 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-After further review, the guides do not require the 2023 tax returns for the REO calc and the borrowers are not self-employed. - Due Diligence Vendor-10/21/2025 <br> Counter-Received 2024 1040s signed and dated-missing 2023 - Due Diligence Vendor-10/20/2025 <br> Open-Borrower 1 Tax Returns Not Signed Tax Return is not signed. - Due Diligence Vendor-10/03/2025 |  | Resolved-After further review, the guides do not require the 2023 tax returns for the REO calc and the borrowers are not self-employed. - Due Diligence Vendor-10/21/2025 | Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 79.19 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 766. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848747 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 05:52 | 2025-10-21 14:51 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-After further review, the guides do not require the 2023 tax returns for the REO calc and the borrowers are not self-employed. - Due Diligence Vendor-10/21/2025 <br> Counter-Received 2024 1040s signed and dated-missing 2023 - Due Diligence Vendor-10/20/2025 <br> Open-Borrower 2 Tax Returns Not Signed Tax Return is not signed. - Due Diligence Vendor-10/03/2025 |  | Resolved-After further review, the guides do not require the 2023 tax returns for the REO calc and the borrowers are not self-employed. - Due Diligence Vendor-10/21/2025 | Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 79.19 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 766. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848747 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 05:52 | 2025-10-21 14:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-After further review, the guides do not require the 2023 tax returns for the REO calc and the borrowers are not self-employed. - Due Diligence Vendor-10/21/2025 <br> Open-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Missing 2023 Tax Return. - Due Diligence Vendor-10/03/2025 |  | Resolved-After further review, the guides do not require the 2023 tax returns for the REO calc and the borrowers are not self-employed. - Due Diligence Vendor-10/21/2025 | Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 79.19 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 766. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848747 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 05:19 | 2025-10-20 10:58 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received vested owner documentation. - Due Diligence Vendor-10/20/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing proof of signor authority for seller that is LLC. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received vested owner documentation. - Due Diligence Vendor-10/20/2025 | Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 79.19 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 766. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848747 | xxxxxx D A | Closed | xxxxxx | 2025-10-03 05:27 | 2025-10-09 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received new business binder. - Due Diligence Vendor-10/09/2025 <br> Open-Missing Hazard Insurance Policy Hazard Insurance Policy is missing. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received new business binder. - Due Diligence Vendor-10/09/2025 | Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 79.19 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 766. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848750 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 13:36 | 2025-10-27 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing. VVOE dated within 10 days of closing is required. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received pre close VVOE. - Due Diligence Vendor-10/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 739 and minimum allowed is 660<br>LTV is less than guideline maximum - LTV is 70% and max allowed is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848764 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 11:27 | 2025-10-08 11:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Received additional Paystub. - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided Paystub provided is for 1 week, 30 days required per guidelines - Due Diligence Vendor-10/02/2025 |  | Resolved-Received additional Paystub. - Due Diligence Vendor-10/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico of 803 exceeds min of 680<br> LTV is less than guideline maximum - LTV of 68% is less than max of 85%<br> Residual Income =/> 1.5 times $3,500 monthly residual income - $5,900 |  | 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 |
| 848764 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 13:08 | 2025-10-08 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received Signed 3 years 4506-c - Due Diligence Vendor-10/06/2025 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-10/02/2025 |  | Resolved-Received Signed 3 years 4506-c - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico of 803 exceeds min of 680<br>LTV is less than guideline maximum - LTV of 68% is less than max of 85%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5,900 |  | 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 |
| 848764 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 13:27 | 2025-10-03 14:36 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, the REO calc was updated and the DTI is within guideline max - Due Diligence Vendor-10/03/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing full month of paystubs and DTI exceeds guidelines - Due Diligence Vendor-10/02/2025 |  | Resolved-After further review, the REO calc was updated and the DTI is within guideline max - Due Diligence Vendor-10/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico of 803 exceeds min of 680<br>LTV is less than guideline maximum - LTV of 68% is less than max of 85%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5,900 |  | 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 |
| 848764 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 12:08 | 2025-10-03 14:34 | Resolved | 1 - Information B A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the REO calc was updated and the DTI is within guideline max - Due Diligence Vendor-10/03/2025 <br> Open-Audited DTI of 50.18% exceeds Guideline DTI of 50% Audit calculated lower REO income - Due Diligence Vendor-10/02/2025 |  | Resolved-After further review, the REO calc was updated and the DTI is within guideline max - Due Diligence Vendor-10/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico of 803 exceeds min of 680<br>LTV is less than guideline maximum - LTV of 68% is less than max of 85%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5,900 |  | 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 |
| 848764 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 13:27 | 2025-10-03 14:34 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-After further review, the REO calc was updated and the DTI is within guideline max - Due Diligence Vendor-10/03/2025 <br> Open-ATR: Reasonable Income or Assets Not Considered Missing full month of paystubs - Due Diligence Vendor-10/02/2025 |  | Resolved-After further review, the REO calc was updated and the DTI is within guideline max - Due Diligence Vendor-10/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico of 803 exceeds min of 680<br>LTV is less than guideline maximum - LTV of 68% is less than max of 85%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5,900 |  | 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 |
| 848780 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848782 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848799 | xxxxxx C B A | Closed | xxxxxx | 2025-10-07 13:56 | 2025-10-16 10:47 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client provided a waiver for utilization of personal and business accounts, applied to non material finding with comp factors - Due Diligence Vendor-10/16/2025 <br> Counter-Client comments - Accounts with co-mingling of personal and business receipts and expenses are qualified on the xxxxxx - AUDIT RESPONSE - Guidelines state Multiple bank accounts may be used, but must be the same account type (i.e., personal or business). - Due Diligence Vendor-10/10/2025 <br> Open-Income and Employment Do Not Meet Guidelines The guidelines state that multiple bank accounts may be used, but must be the same account type (i.e., personal or business). However, the borrower had 3 different account, with 2 of them being personal accounts (xxxxxx) and the last account was business (xxxxxx). - Due Diligence Vendor-10/07/2025 |  | Waived-Client provided a waiver for utilization of personal and business accounts, applied to non material finding with comp factors - Due Diligence Vendor-10/16/2025 | Months Reserves exceed minimum required - 16.43mos ($164,240.05) reserves. Per guides, 6mos ($59,976.06) reserves required (an additional 2mos for all other REOs). Total reserves required $64,254.30.<br> Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 760. Per guide, a minimum score required 680. | Credit Score 30+ points > minimum required <br> Reserves exceed requirement by 6 months or more<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 |
| 848817 | xxxxxx C B A | Closed | xxxxxx | 2025-10-13 10:58 | 2025-10-16 14:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated VOR provided. - Due Diligence Vendor-10/16/2025 <br> Counter-Received VOR dated 9/3 with 0x30 reflecting-VOR mirrors previously received blank and no initials or confirmation of correction provided. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Please see uploaded VOR - Seller-10/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide an updated VOR reflecting that number of times that the borrower was 30 days past due in the last 12 months to verify housing history does not exceed 1x30x12. Additional findings may apply. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see uploaded VOR - Seller-10/15/2025<br>| Resolved-Updated VOR provided. - Due Diligence Vendor-10/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 785. Min FICO required 680.<br> LTV is less than guideline maximum - LTV 80%. Max LTV allowed is 90%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848817 | xxxxxx C B A | Closed | xxxxxx | 2025-10-13 11:24 | 2025-10-16 11:27 | 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 <6 months reserves– wavier applied with reviewed compfactors - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exception approval. - Seller-10/15/2025 <br> Open-Audited Reserves of 2.48 month(s) are less than Guideline Required Reserves of 6 month(s) Provide additional asset documentation to verify six months reserves. - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Please see uploaded exception approval. - Seller-10/15/2025<br>| Waived-Originator provided a waiver for <6 months reserves– wavier applied with reviewed compfactors - Due Diligence Vendor-10/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 785. Min FICO required 680.<br>LTV is less than guideline maximum - LTV 80%. Max LTV allowed is 90%. | LTV 80%<90% allowed<br> FICO: 785> more than 20 points above minimum required. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 848834 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848861 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-03 14:45 | 2025-10-20 11:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received Borrower 1's Right of Rescission signed at closing. - Due Diligence Vendor-10/13/2025 <br> Open-Right of Rescission is Missing Provide the executed Right of Recission. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received Borrower 1's Right of Rescission signed at closing. - Due Diligence Vendor-10/13/2025 | Credit history exceeds minimum required - Borrower's Credit Score is 801 and Minimum Required is 680 <br> Qualifying DTI below maximum allowed - DTI FOR THIS LOAN IS 3.55% AND MAX ALLOWED IS 50% DTI. |  | 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 |
| 848861 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-13 18:10 | 2025-10-20 11:34 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Received the Non-Borrower Title Holder Right of Rescission Form - Due Diligence Vendor-10/20/2025 <br> Open-\*NEW\* Non-Borrower Title Holder Did Not Receive Right of Rescission Form. Non-borrowing spouse's ROR form is missing. - Due Diligence Vendor-10/13/2025 |  | Resolved-Received the Non-Borrower Title Holder Right of Rescission Form - Due Diligence Vendor-10/20/2025 | Credit history exceeds minimum required - Borrower's Credit Score is 801 and Minimum Required is 680 <br>Qualifying DTI below maximum allowed - DTI FOR THIS LOAN IS 3.55% AND MAX ALLOWED IS 50% DTI. |  | 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 |
| 848861 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-07 08:57 | 2025-10-16 10:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves <6 months, applied to non material finding with comp factors - Due Diligence Vendor-10/16/2025 <br> Counter-Review is considering xxxxxxxx. Audited Reserves of 2.11 month(s) are less than Guideline Required Reserves of 6 month(s) Borrower is short reserves. - Due Diligence Vendor-10/14/2025 <br> Open-Audited Reserves of 2.11 month(s) are less than Guideline Required Reserves of 6 month(s) Borrower is short reserves. - Due Diligence Vendor-10/07/2025 |  | Waived-Client provided a waiver for reserves <6 months, applied to non material finding with comp factors - Due Diligence Vendor-10/16/2025 | Credit history exceeds minimum required - Borrower's Credit Score is 801 and Minimum Required is 680 <br>Qualifying DTI below maximum allowed - DTI FOR THIS LOAN IS 3.55% AND MAX ALLOWED IS 50% DTI. | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Residual income more than 1.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 848861 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-04 08:24 | 2025-10-14 11:42 | 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-10/14/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing LD in mortgage chain. - Due Diligence Vendor-10/04/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/14/2025 | Credit history exceeds minimum required - Borrower's Credit Score is 801 and Minimum Required is 680 <br>Qualifying DTI below maximum allowed - DTI FOR THIS LOAN IS 3.55% AND MAX ALLOWED IS 50% DTI. |  | 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 |
| 848893 | xxxxxx C A | Closed | xxxxxx | 2025-10-08 05:30 | 2025-10-10 09:41 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Upon further review, no further documentation is needed or required. PCCD sequence entry correction. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. ----------Initial LE 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-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-Upon further review, no further documentation is needed or required. PCCD sequence entry correction. - Due Diligence Vendor-10/10/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $5,882.86 part of there ATR exceeds the 1.5% Per guides ok to use.<br>Credit history exceeds minimum required - Credit History = 133 Months Minimum Credit History = 24 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 |
| 848896 | 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 |  |  |  |
| 848903 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 13:42 | 2025-10-28 17:48 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM's on xxxxxx. - Due Diligence Vendor-10/28/2025 <br> Counter-VOM provided for the 3 properties, however we are missing prior mortgage payment history for xxxxxx and xxxxxx. xxxxxx - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/27/2025 <br> Counter-Received confirmation primary mortgage rating on credit report-missing-Provide satisfactory payment history for private mortgages for xxxxxx. - Due Diligence Vendor-10/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements. Provide satisfactory payment history for private mortgages for xxxxxx. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received VOM's on xxxxxx. - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit score is 791. Required is 700 for cash out investment<br>Months Reserves exceed minimum required - Months reserves at 45.37. required is 6. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848991 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 13:51 | 2025-10-09 10:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Received Updated xxxxxx report with the index value used. After re-test, the Finance Charge and TOP values were not under disclosed. - Due Diligence Vendor-10/09/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,626,074.52. The disclosed finance charge of $1,451,203.95 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-09/26/2025 |  | Resolved-Received Updated xxxxxx report with the index value used. After re-test, the Finance Charge and TOP values were not under disclosed. - Due Diligence Vendor-10/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 620<br>LTV is less than guideline maximum - LTV is 80% and max allowed is 90% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848991 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 13:51 | 2025-10-09 10:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Received Updated xxxxxx report with the index value used. After re-test, the Finance Charge and TOP values were not under disclosed. - Due Diligence Vendor-10/09/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $2,709,577.52. The disclosed total of payments of $2,534,706.95 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-09/26/2025 |  | Resolved-Received Updated xxxxxx report with the index value used. After re-test, the Finance Charge and TOP values were not under disclosed. - Due Diligence Vendor-10/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 620<br>LTV is less than guideline maximum - LTV is 80% and max allowed is 90% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848991 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 10:37 | 2025-10-09 10:56 | Resolved | 1 - Information A | Compliance | ComplianceEase | Qualified Mortgage Interest Only Test | Resolved-Received Updated xxxxxx report with the index value used. After re-test, the Finance Charge and TOP values were not under disclosed. - Due Diligence Vendor-10/09/2025 <br> Open-This loan failed the qualified mortgage interest only test. (12 CFR 1026.43(e)(2)(i)(B))A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal.This loan is an interest only loan or a graduated payment mortgage. - Due Diligence Vendor-10/09/2025 |  | Resolved-Received Updated xxxxxx report with the index value used. After re-test, the Finance Charge and TOP values were not under disclosed. - Due Diligence Vendor-10/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 620<br>LTV is less than guideline maximum - LTV is 80% and max allowed is 90% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848991 | xxxxxx D A | Closed | xxxxxx | 2025-09-27 21:58 | 2025-10-08 14:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | CHARM Booklet is Missing | Resolved-Rec'd CHARM Booklet. Finding resolved. - Due Diligence Vendor-10/07/2025 <br> Open-CHARM Booklet is Missing Missing CHARM Disclosure within 3 days of determination of ARM loan. - Due Diligence Vendor-09/28/2025 |  | Resolved-Rec'd CHARM Booklet. Finding resolved. - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 620<br>LTV is less than guideline maximum - LTV is 80% and max allowed is 90% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848991 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 13:40 | 2025-10-08 09:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-10/08/2025 <br>Open-ARM Disclosure is Missing Missing ARM Disclosure within 3 days of determination of ARM loan. - Due Diligence Vendor-09/28/2025 |  | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 620<br>LTV is less than guideline maximum - LTV is 80% and max allowed is 90% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848996 | xxxxxx D A | Closed | xxxxxx | 2025-10-15 17:17 | 2025-10-17 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-proof of PITIA for property xxxxxx provided. - Due Diligence Vendor-10/17/2025 <br> Open-Missing documentation for additional expense reported on 1003 for property xxxxxx. - Due Diligence Vendor-10/15/2025 |  | Resolved-proof of PITIA for property xxxxxx provided. - Due Diligence Vendor-10/17/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 46.44 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 733 is more than 20 points higher than the guideline min of 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848996 | xxxxxx D A | Closed | xxxxxx | 2025-10-15 17:01 | 2025-10-17 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the credit report is dated within 30 days of closing. - Due Diligence Vendor-10/17/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/15/2025 |  | Resolved-After further review, the credit report is dated within 30 days of closing. - Due Diligence Vendor-10/17/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 46.44 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 733 is more than 20 points higher than the guideline min of 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849002 | xxxxxx D A | Closed | xxxxxx | 2025-10-16 11:28 | 2025-10-27 10:56 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-10/27/2025 <br> Open-Acceptable Secondary Valuation is required per guideline (unable to use CU/LCA provided as not scored/ xxxxxx unit) - Due Diligence Vendor-10/16/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrowers have 37 months<br>Long term residence - Co-Borrower has lived at their primary for 7 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849002 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 14:11 | 2025-10-24 11:17 | 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-10/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/14/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrowers have 37 months<br>Long term residence - Co-Borrower has lived at their primary for 7 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849002 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 14:11 | 2025-10-24 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-10/24/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-10/14/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrowers have 37 months<br>Long term residence - Co-Borrower has lived at their primary for 7 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849002 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 13:02 | 2025-10-24 11:15 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 W2/1099 Less Than 24 Months Provided | Resolved-Received 2 years transcripts for B2 in lieu of W-2 which is allowed per the guidelines. - Due Diligence Vendor-10/24/2025 <br>Open-Borrower 2 W2/1099 Less Than 24 Months Provided Guideline is a 2 year requirement, only 1 year in file - Due Diligence Vendor-10/14/2025 |  | Resolved-Received 2 years transcripts for B2 in lieu of W-2 which is allowed per the guidelines. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrowers have 37 months<br>Long term residence - Co-Borrower has lived at their primary for 7 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849002 | xxxxxx D A | Closed | xxxxxx | 2025-10-16 11:19 | 2025-10-16 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | AUS Not Provided | Resolved-AUS not required on xxxxxx closed end seconds. - Due Diligence Vendor-10/16/2025 <br> Open-Acceptable AUS- DU/LP findings required per guidelines. - Due Diligence Vendor-10/16/2025 |  | Resolved-AUS not required on xxxxxx closed end seconds. - Due Diligence Vendor-10/16/2025 | Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrowers have 37 months<br>Long term residence - Co-Borrower has lived at their primary for 7 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849018 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 13:09 | 2025-10-29 09:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Document Uploaded. Public records confirms the borrower sold this property in xxxxxx. Satisfaction provided. - Due Diligence Vendor-10/29/2025 <br> Open-Fraud Report Shows Uncleared Alerts, Provide evidence borrower does not own xxxxxx - Due Diligence Vendor-10/27/2025 |  | Resolved-Document Uploaded. Public records confirms the borrower sold this property in xxxxxx. Satisfaction provided. - Due Diligence Vendor-10/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - fico is 764, minimum is 720<br>Months Reserves exceed minimum required - Minimum reserves is 3 months, borrower has 44.93 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 |
| 849018 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 12:11 | 2025-10-28 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter provided. - Due Diligence Vendor-10/28/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - AG - Due Diligence Vendor-10/27/2025 |  | Resolved-CPA letter provided. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - fico is 764, minimum is 720<br>Months Reserves exceed minimum required - Minimum reserves is 3 months, borrower has 44.93 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 |
| 849050 | 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 |  |  |  |
| 849145 | xxxxxx D A C | Closed | xxxxxx | 2025-10-16 12:49 | 2025-10-30 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received LOE and revised 1003. Borrower is a xxxxxx. - Due Diligence Vendor-10/30/2025 <br>Open-Borrower Citizenship Documentation Is Missing Missing citizenship documentation - Due Diligence Vendor-10/16/2025 |  | Resolved-Received LOE and revised 1003. Borrower is a xxxxxx. - Due Diligence Vendor-10/30/2025<br>| Qualifying DTI below maximum allowed - Min 43%, actual 16.33%<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum Fico score required is 660 and the borrower has a 714 fico score |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849145 | xxxxxx D A C | Closed | xxxxxx | 2025-10-21 11:28 | 2025-10-27 14:11 | 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-10/27/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing initial CD dated at least 3 days before Closing - Due Diligence Vendor-10/21/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-10/27/2025<br>| Qualifying DTI below maximum allowed - Min 43%, actual 16.33%<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum Fico score required is 660 and the borrower has a 714 fico score |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849145 | xxxxxx D A C | Closed | xxxxxx | 2025-10-16 07:42 | 2025-10-21 13:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-Received CD xxxxxx. - Due Diligence Vendor-10/21/2025 <br> Open------Missing initial CD dated at least 3 days before Closing. Additional Findings may apply upon receipt. - Due Diligence Vendor-10/16/2025 |  | Resolved-Received CD xxxxxx. - Due Diligence Vendor-10/21/2025 | Qualifying DTI below maximum allowed - Min 43%, actual 16.33%<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum Fico score required is 660 and the borrower has a 714 fico score |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849179 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849217 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849218 | 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 |  |  |  |
| 849221 | xxxxxx C A | Closed | xxxxxx | 2025-10-11 20:14 | 2025-10-14 17:21 | Resolved | 1 - Information C A | Compliance | Disclosure | Incorrect ROR Form Type selected | Resolved-Upon further review, no further documentation is needed or required. Correct form was used. - Due Diligence Vendor-10/14/2025 <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 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR form H8 was provided for a same lender refi. - Due Diligence Vendor-10/12/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Correct form was used. - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 769 vs. min FICO 680<br>CLTV is less than guidelines maximum - 60.57% vs. max CLTV 90% |  | 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 |
| 849257 | 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 |  |  |  |
| 849286 | xxxxxx C A | Closed | xxxxxx | 2025-10-24 10:17 | 2025-11-07 09:36 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Document Uploaded. Updated 1003 provided. The address has been corrected and the departing residence was sold. Nothing further is needed. - Due Diligence Vendor-10/31/2025 <br> Counter-Received Owner Statement from xxxxxx -2016-present--appears property is not borrowers primary as renal income and property management fees for over current 12 months-please clarify. - Due Diligence Vendor-10/29/2025 <br> Open-Income and Employment Do Not Meet Guidelines Departure residence rental property security deposit and 1st months rent check not received. Lease also dated xxxxxx however loan closed xxxxxx. - Due Diligence Vendor-10/24/2025 |  | Resolved-Document Uploaded. Updated 1003 provided. The address has been corrected and the departing residence was sold. Nothing further is needed. - Due Diligence Vendor-10/31/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $27,000 exceeds $5750.<br>Months Reserves exceed minimum required - 19 months reserves exceeds 9 months per guides |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849305 | xxxxxx C B A | Closed | xxxxxx | 2025-10-20 13:00 | 2025-10-24 14:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. Exception to allow loan in xxxxxx. - Due Diligence Vendor-10/24/2025 <br> Open-Subject property is located in the xxxxxx, per the matrix properties in xxxxxx are ineligible. - Due Diligence Vendor-10/20/2025 |  | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. Exception to allow loan in xxxxxx. - Due Diligence Vendor-10/24/2025 | CLTV is less than guidelines maximum - The calculated CLTV is 65.03%, maximum allowed is 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 782, guideline minimum is 680. | 65.03 CLTV<br> 782 fico | 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 |
| 849305 | xxxxxx C B A | Closed | xxxxxx | 2025-10-17 13:44 | 2025-10-24 11:05 | 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-10/24/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Title commitment reflects a coverage amount of xxxxxx, loan amount is xxxxxx. - Due Diligence Vendor-10/20/2025 |  | Resolved-Received revised Commitment w/sufficient coverage. - Due Diligence Vendor-10/24/2025<br>| CLTV is less than guidelines maximum - The calculated CLTV is 65.03%, maximum allowed is 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 782, guideline minimum is 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849305 | xxxxxx C B A | Closed | xxxxxx | 2025-10-20 12:02 | 2025-10-21 11:21 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-Appraiser did not indicate there was an issue with the xxxxxx. Nothing further is required. - Due Diligence Vendor-10/21/2025 <br> Open-Appraiser does not state that xxxxxx are installed or present in the subject property. - Due Diligence Vendor-10/20/2025 |  | Resolved-Appraiser did not indicate there was an issue with the xxxxxx. Nothing further is required. - Due Diligence Vendor-10/21/2025 | CLTV is less than guidelines maximum - The calculated CLTV is 65.03%, maximum allowed is 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 782, guideline minimum is 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849305 | xxxxxx C B A | Closed | xxxxxx | 2025-10-20 12:05 | 2025-10-20 13:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Client waiver applied to non material finding with comp factors. Subject property contains xxxxxx. Appraiser notes use is for xxxxxx use only. xxxxxx. - Due Diligence Vendor-11/11/2025 <br> Open-Per the appraisal, the subject is xxxxxx. per the guidelines xxxxxx is an ineligible property. Exception form in the file to allow xxxxxx vs ineligible per guidelines. - Due Diligence Vendor-10/20/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Subject property contains xxxxxx. Appraiser notes use is for xxxxxx use only. xxxxxx. - Due Diligence Vendor-11/11/2025 | CLTV is less than guidelines maximum - The calculated CLTV is 65.03%, maximum allowed is 90%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 782, guideline minimum is 680. | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines, Self Employed Self-employed for > 5 years, Reserves exceed requirement by 2 months or more | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 849308 | xxxxxx D A C | Closed | xxxxxx | 2025-09-15 13:08 | 2025-09-19 17:31 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search w/Phone number - Due Diligence Vendor-09/19/2025 <br>Ready for Review-Document Uploaded. Please See Google Search For the Company Phone# - Seller-09/18/2025 <br>Counter-Received Google search, however it does not confirm the phone number - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please See Google Search - Seller-09/15/2025 <br>Open-Missing verification of business phone number via Google Search, 411.com or internet. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Please See Google Search For the Company Phone# - Seller-09/18/2025 <br>Ready for Review-Document Uploaded. Please See Google Search - Seller-09/15/2025<br>| Resolved-Received Internet Search w/Phone number - Due Diligence Vendor-09/19/2025<br>| Months Reserves exceed minimum required - 0 RESERVES REQUIRED, 15.83 MONTHS RESERVES<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 720, MINIMUM IS 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 |
| 849308 | xxxxxx D A C | Closed | xxxxxx | 2025-09-12 17:28 | 2025-09-18 10:29 | 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-09/18/2025 <br>Ready for Review-Document Uploaded. Please See xxxxxx - Seller-09/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please See xxxxxx - Seller-09/15/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - 0 RESERVES REQUIRED, 15.83 MONTHS RESERVES<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 720, MINIMUM IS 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 |
| 849308 | xxxxxx D A C | Closed | xxxxxx | 2025-09-12 17:28 | 2025-09-18 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please See xxxxxx - Seller-09/15/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Please See xxxxxx - Seller-09/15/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - 0 RESERVES REQUIRED, 15.83 MONTHS RESERVES<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 720, MINIMUM IS 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 |
| 849308 | xxxxxx D A C | Closed | xxxxxx | 2025-09-12 11:03 | 2025-09-17 09:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx Credit Regulations Mortgage Loan DTI Provided Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see approval sheet include the DTI - Seller-09/15/2025 <br> Open-This loan failed the DTI provided test. (xxxxxx SB270/HB363, xxxxxx. Code Ann., Com. Law II §12-127, 12-409.1, 12-925, 12-1029)The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter 7 (SB 270) or Chapter 8 (HB363).See xxxxxx Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see approval sheet include the DTI - Seller-09/15/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/17/2025<br>| Months Reserves exceed minimum required - 0 RESERVES REQUIRED, 15.83 MONTHS RESERVES<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 720, MINIMUM IS 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 |
| 849313 | xxxxxx D B A | Closed | xxxxxx | 2025-09-23 19:12 | 2025-10-03 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Worksheet - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. PLease see attached - Seller-10/01/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Lender 12mos Bank Statement Worksheet - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. PLease see attached - Seller-10/01/2025<br>| Resolved-Received Bank Statement Worksheet - Due Diligence Vendor-10/03/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 48 Months Required = 12 months<br>Months Reserves exceed minimum required - 4.34mos reserves. Per guides, no reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849313 | xxxxxx D B A | Closed | xxxxxx | 2025-09-23 19:28 | 2025-10-02 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/30/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/30/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-10/02/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 48 Months Required = 12 months<br>Months Reserves exceed minimum required - 4.34mos reserves. Per guides, no reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849313 | xxxxxx D B A | Closed | xxxxxx | 2025-09-22 12:15 | 2025-09-22 12:15 | 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-09/22/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-09/22/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 48 Months Required = 12 months<br>Months Reserves exceed minimum required - 4.34mos reserves. Per guides, no reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 849327 | xxxxxx C B A | Closed | xxxxxx | 2025-10-27 10:59 | 2025-11-03 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. - Due Diligence Vendor-10/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/27/2025<br>| Qualifying DTI below maximum allowed - Max DTI allowed for primary is 50%. qualifying is 34.42%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO min is 680, qualifying is 704 |  | 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 |
| 849327 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 10:20 | 2025-10-29 10:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as no value was given to ADU unit, appraisal was done as is and there are no health or safety concerns noted. - Due Diligence Vendor-11/11/2025 <br> Open-EXCEPTION in file to allow unpermitted and unfinished ADU.<br> - Due Diligence Vendor-10/29/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as no value was given to ADU unit, appraisal was done as is and there are no health or safety concerns noted. - Due Diligence Vendor-11/11/2025<br>| Qualifying DTI below maximum allowed - Max DTI allowed for primary is 50%. qualifying is 34.42%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO min is 680, qualifying is 704 | DTI <= 40% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849348 | xxxxxx D B A | Closed | xxxxxx | 2025-10-20 17:02 | 2025-10-24 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing The UDM should be on the fraud report. Review of the fraud report shows the UDM monitoring was not started. No gap report or UDM was identified in the file. - Due Diligence Vendor-10/20/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-10/24/2025<br>| CLTV is less than guidelines maximum - 80% CLTV allowed, subject 54.20%<br>Qualifying FICO score is at least 20 points above minimum for program - 720 required, subject 751. |  | 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 |
| 849348 | xxxxxx D B A | Closed | xxxxxx | 2025-10-20 13:52 | 2025-10-20 13:52 | 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-10/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-10/20/2025<br>| CLTV is less than guidelines maximum - 80% CLTV allowed, subject 54.20%<br>Qualifying FICO score is at least 20 points above minimum for program - 720 required, subject 751. |  | 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 |
| 849428 | xxxxxx C B A | Closed | xxxxxx | 2025-10-24 15:10 | 2025-10-29 10:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional statement confirming sufficient reserves. - Due Diligence Vendor-10/29/2025 <br>Open-Audited Reserves of 0.57 month(s) are less than Guideline Required Reserves of 3 month(s) Verified reserves equal 0.57 months. Guidelines require 3 months. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received additional statement confirming sufficient reserves. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - min credit scrore 680 qualifying credit score 764<br>LTV is less than guideline maximum - The calculated LTV is 60%, guidelines max is 80%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849428 | xxxxxx C B A | Closed | xxxxxx | 2025-10-24 15:29 | 2025-10-27 18:20 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/10/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Borrower is a non-perm resident alien. Borrower wants to use a $60,000 gift for down payment. Gift funds are not allowed for non-perm resident aliens. exception form in file. Non-,asterial due to comp factors. - Due Diligence Vendor-10/27/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - min credit scrore 680 qualifying credit score 764<br>LTV is less than guideline maximum - The calculated LTV is 60%, guidelines max is 80%. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DTI <= 40% which is below requirement in guidelines<br> Self-employed for > 10 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 849446 | 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 |  |  |  |
| 849548 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 12:49 | 2025-10-23 11:52 | 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-10/23/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is not sufficient. - Due Diligence Vendor-10/17/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 774. Minimum FICO required is 660.<br>Qualifying DTI below maximum allowed - DTI is 26.53%. Max DTI allowed is 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849556 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 849600 | xxxxxx D B A | Closed | xxxxxx | 2025-10-13 11:00 | 2025-10-15 12:45 | Waived | 2 - Non-Material D B | Credit | Eligibility | Second Appraisal is Missing | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. Exception to use AVM from ICE, which is not on the approved list. - Due Diligence Vendor-10/15/2025 <br> Open-\*New\* Secondary AVM provided however the confidence score of 81 is not within the guidelines limits. - Due Diligence Vendor-10/13/2025 |  | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. Exception to use AVM from ICE, which is not on the approved list. - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 771 Min FICO = 700<br>Qualifying DTI below maximum allowed - DTI = 6.39% - Max DTI = 50% | 771 fico<br> 6.39% DTI<br> 80% CLTV | 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 |
| 849600 | xxxxxx D B A | Closed | xxxxxx | 2025-10-08 10:48 | 2025-10-15 12:41 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-10/13/2025 <br>Open-Appraisal is Missing Missing secondary valuation required by guidelines. - Due Diligence Vendor-10/08/2025 |  | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-10/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 771 Min FICO = 700<br>Qualifying DTI below maximum allowed - DTI = 6.39% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849600 | xxxxxx D B A | Closed | xxxxxx | 2025-10-07 09:50 | 2025-10-07 10:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Client waiver applied to non-material Findings - Due Diligence Vendor-10/07/2025 <br>Open-Required Affiliated Business Disclosure Missing . - Due Diligence Vendor-10/07/2025 |  | Waived-Client waiver applied to non-material Findings - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 771 Min FICO = 700<br>Qualifying DTI below maximum allowed - DTI = 6.39% - Max DTI = 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849601 | xxxxxx D B A | Closed | xxxxxx | 2025-10-08 14:31 | 2025-10-15 12:51 | Waived | 2 - Non-Material D B | Property | Missing Doc | Appraisal is Missing | Waived-Client waiver applied to non-material finding with compensating factors. Exception to use an xxxxxx AVM, which is not an approved vendor. - Due Diligence Vendor-10/15/2025 <br> Counter-Received duplicate AVM-Missing secondary review product required per guidelines. - Due Diligence Vendor-10/14/2025 <br> Open-Appraisal is Missing Missing secondary review product required per guidelines. - Due Diligence Vendor-10/08/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to use an xxxxxx AVM, which is not an approved vendor. - Due Diligence Vendor-10/15/2025 | CLTV is less than guidelines maximum - CLTV < 65% is less than product max 90% per guides<br>Qualifying FICO score is at least 20 points above minimum for program - Fico of 736 is less than prod min of 680 | 736 fico<br> 63% CLTV | 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 |
| 849601 | xxxxxx D B A | Closed | xxxxxx | 2025-10-07 14:11 | 2025-10-14 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-10/14/2025 <br>Open-Borrower 1 Gap Credit Report is Missing 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. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-10/14/2025<br>| CLTV is less than guidelines maximum - CLTV < 65% is less than product max 90% per guides<br>Qualifying FICO score is at least 20 points above minimum for program - Fico of 736 is less than prod min 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 |
| 849601 | xxxxxx D B A | Closed | xxxxxx | 2025-10-07 09:26 | 2025-10-07 09:26 | 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.<br> - Due Diligence Vendor-10/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/07/2025<br>| CLTV is less than guidelines maximum - CLTV < 65% is less than product max 90% per guides<br>Qualifying FICO score is at least 20 points above minimum for program - Fico of 736 is less than prod min 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 |
| 849667 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 12:09 | 2025-10-29 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI and confirmation no HOA. - Due Diligence Vendor-10/29/2025 <br> Open-property listed on application as xxxxxx; missing evidince of property insurance and hoa (if applicable.) - Due Diligence Vendor-10/22/2025 |  | Resolved-Received HOI and confirmation no HOA. - Due Diligence Vendor-10/29/2025<br>| Verified employment history exceeds guidelines - Employed 4+ Years – Minimum = 2 Years<br>Credit history exceeds minimum required - Credit History = 102 Months Minimum Credit History = 24 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 |
| 849728 | 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 |  |  |  |
| 849737 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 19:25 | 2025-09-25 17:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management Approval - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides pg35: xxxxxx® scores above 800 from xxxxxx require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received Management Approval - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 10.10%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 20.45mos reserves. Per guides, no 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 |
| 849737 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 19:00 | 2025-09-25 17:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received income worksheet. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. xxxxxx please see lender worksheet - Seller-09/23/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Lender 12mos Bank Statement Worksheet - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. xxxxxx please see lender worksheet - Seller-09/23/2025<br>| Resolved-Received income worksheet. - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 10.10%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 20.45mos reserves. Per guides, no 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 |
| 849738 | xxxxxx B A | Closed | xxxxxx | 2025-09-26 14:25 | 2025-09-26 15:02 | 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-09/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 805. Per guide, a minimum score required 680.<br>Months Reserves exceed minimum required - 10.77 mos reserves. Per guides, 4 mos 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 |
| 849916 | xxxxxx C B A | Closed | xxxxxx | 2025-09-24 15:19 | 2025-10-07 11:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Document Uploaded. Originator waiver applied to non material finding with compensating factors. Exception for loan amount. - Due Diligence Vendor-10/07/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 Per guidelines loan amount of xxxxxx does not meet the minimum loan amount required of $150,000 - Due Diligence Vendor-09/24/2025 |  | Waived-Document Uploaded. Originator waiver applied to non material finding with compensating factors. Exception for loan amount. - Due Diligence Vendor-10/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 808; Guideline minimum FICO 660. <br>Months Reserves exceed minimum required - Total qualifying 106 months reserves; 0 months reserves required | 16.95% LTV <br> 808 FICO <br> Primary Residence <br> No delinquent payment on credit report <br>| 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 |
| 849916 | xxxxxx C B A | Closed | xxxxxx | 2025-09-22 13:03 | 2025-09-26 17:05 | 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-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A for DOT. Bottom of Exhibit says Prelim Report suggesting from Title. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 808; Guideline minimum FICO 660. <br>Months Reserves exceed minimum required - Total qualifying 106 months reserves; 0 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 |
| 849945 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 11:29 | 2025-10-30 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - new accounts with zero balance noted. - Due Diligence Vendor-10/30/2025 <br> Open-\*\*NEW\*\* LOX for credit inquiries is missing. Received Gap report. Report include multiple inquiries not included on initial CBR or LOX for inquiries. <br> xxxxxx; xxxxxx; xxxxxx Card xxxxxx Card xxxxxx - Due Diligence Vendor-10/28/2025 |  | Resolved-Received LOE - new accounts with zero balance noted. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 758. Per guide, a minimum score required 700.<br>Months Reserves exceed minimum required - 96.51mos reserves. Per guides, 4mos 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 |
| 849945 | xxxxxx D A | Closed | xxxxxx | 2025-10-23 12:44 | 2025-10-28 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. Report include multiple inquiries not included on initial CBR. xxxxxx; xxxxxx; xxxxxx Card xxxxxx; xxxxxx Card xxxxxx- \* finding added. - Due Diligence Vendor-10/28/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Missing Gap Credit Report - Due Diligence Vendor-10/23/2025 |  | Resolved-Received Gap report. Report include multiple inquiries not included on initial CBR. xxxxxx Card xxxxxx; xxxxxx Card xxxxxx- \* finding added. - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 758. Per guide, a minimum score required 700.<br>Months Reserves exceed minimum required - 96.51mos reserves. Per guides, 4mos 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 |
| 849987 | xxxxxx C A | Closed | xxxxxx | 2025-10-20 14:26 | 2025-10-30 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received divorce decree. - Due Diligence Vendor-10/30/2025 <br> Counter-Received corrected 1003 and Rent Free letter from ex spouse-provide divorce decree to support relationship for housing history eligibility. - Due Diligence Vendor-10/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The guidelines state: Borrower(s) that do not have the required housing payment history is still eligible to qualify for a <br> purchase transaction of a primary residence, as long as they are living rent free with a Relative and provide a Letter of explanation (LOE) executed by such Relative confirming that there is/was no monthly obligation.<br> The loan file contains a SiteX report (page 104) for the borrower's departing residence and does not show the borrower as an owner, however it states married man as his sole and sep property. The loan file is missing a LOE from the relative explaining the reason the borrower does not have a housing history and/or a 12 month mortgage history which was not obtained and is also missing from the loan file. <br> - Due Diligence Vendor-10/20/2025 |  | Resolved-Received divorce decree. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score allowed is 680 and the borrower's fico score is 776. <br>Months Reserves exceed minimum required - 8 months > 4 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850014 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850070 | xxxxxx C A | Closed | xxxxxx | 2025-10-24 16:03 | 2025-10-29 10:59 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received OFAC clearance. - Due Diligence Vendor-10/29/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists NB spouse xxxxxx to be added to OFAC SDN screening. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received OFAC clearance. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO required is 680, file is 724.<br>Qualifying DTI below maximum allowed - DTI max is 50 file is 40.92 |  | 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 |
| 850071 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850074 | xxxxxx C A | Closed | xxxxxx | 2025-10-24 10:45 | 2025-10-29 09:36 | 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-10/29/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxxxxx.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. Statute of Limitations - 3 years, expiration date xxxxxx . - Due Diligence Vendor-10/24/2025 |  | Resolved------Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 660. Borrower's qualifying score =747<br>LTV is less than guideline maximum - 73.14% < 80% allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850075 | xxxxxx C A | Closed | xxxxxx | 2025-10-21 04:34 | 2025-10-29 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Mortgage Statement. - Due Diligence Vendor-10/29/2025 <br> Counter-Pay of statement reflects interest from 09/05. Please provide evidence the 09/2025 payment was made. If not the borrower will be 1x30 at close. - Due Diligence Vendor-10/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence of 09/2025 payment for HELOC that was paid at close to meet guideline requirement of 0x30x12. Credit refresh report (PDF 59) notes last active date of 08/2025. - Due Diligence Vendor-10/21/2025 |  | Resolved-Received Mortgage Statement. - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - 79.6% CLTV ratio, 85% maximum CLTV allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 756 FICO exceeds 700 minimum 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 |
| 850111 | xxxxxx C A | Closed | xxxxxx | 2025-10-22 17:28 | 2025-10-28 07:40 | Resolved | 1 - Information C A | Compliance | Disclosure | Incorrect ROR Form Type selected | Resolved------Received correct ROR's. Finding Resolved. - Due Diligence Vendor-10/28/2025 <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 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR form H8 was provided for a same lender refi. - Due Diligence Vendor-10/22/2025 |  | Resolved------Received correct ROR's. Finding Resolved. - Due Diligence Vendor-10/28/2025<br>| LTV is less than guideline maximum - LTV is 70% and max allowed is 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 759 and minimum allowed is 660. |  | 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 |
| 850123 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850126 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850129 | xxxxxx C B A | Closed | xxxxxx | 2025-09-24 18:59 | 2025-09-30 17:09 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-xxxxxx provided with ATR status of pass. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. Please find the attached. - Seller-09/26/2025 <br>Open-Missing Lender ATR/QM Determination. Per guides pg5-6: Under the eight-point test of ATR, the "Basis for Determination" under § 1026.43(c)(2)(i) is required to consider "the consumer's current or reasonably expected income or assets".<br>- Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. Please find the attached. - Seller-09/26/2025<br>| Resolved-xxxxxx provided with ATR status of pass. - Due Diligence Vendor-09/30/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 40.85%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 706. Per guide, a minimum score required 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850129 | xxxxxx C B A | Closed | xxxxxx | 2025-09-24 11:12 | 2025-09-24 11:32 | 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-09/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 40.85%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 706. Per guide, a minimum score required 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 850156 | xxxxxx C B A | Closed | xxxxxx | 2025-09-29 15:41 | 2025-10-02 15:02 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Received revised appraisal stating subject is an Arms-length transaction.<br> - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. It was an error from the appraiser. Seller and buyer are not related. Please review the updated Appraisal report. - Seller-09/30/2025 <br>Open-Non-Arm's Length Transactions Not Allowed for Program Non-Arm's Length Transaction: requires– 12-month mortgage history from the seller to confirm the transaction is not a foreclosure bailout. \*per appraiser this is a non arms length transaction however unclear if this is family sale. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. It was an error from the appraiser. Seller and buyer are not related. Please review the updated Appraisal report. - Seller-09/30/2025<br>| Resolved-Received revised appraisal stating subject is an Arms-length transaction.<br> - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - BORROWER HAS 7.855 MONTHS RESERVES, 4 MONTHS RESERVES REQUIRED,<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $8K 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 |
| 850156 | xxxxxx C B A | Closed | xxxxxx | 2025-09-26 15:03 | 2025-09-26 15:03 | 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-09/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/26/2025<br>| Months Reserves exceed minimum required - BORROWER HAS 7.855 MONTHS RESERVES, 4 MONTHS RESERVES REQUIRED,<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $8K residual income. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 850161 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 07:54 | 2025-10-23 12:54 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received wire receipts from the borrower in the amount of $167,000.00 and $80,684.07, proof of funds withdrawal in the loan file. - Due Diligence Vendor-10/23/2025 <br>Counter-Received wire receipts from the borrower in the amount of $167,000.00 and $80,684.07, however there is no evidence of the source of these amounts. Borrower does not have enough documented assets to support these payments amounts. - Due Diligence Vendor-10/23/2025 <br>Counter-Assets provided reflect short $211,020.22 for closing-only $30k gift documentation provided. Review did not receive additional gift documentation noted on final 1003 - Due Diligence Vendor-10/21/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Not enough assets to cover cash to close - Due Diligence Vendor-10/17/2025 |  | Resolved-Received wire receipts from the borrower in the amount of $167,000.00 and $80,684.07, proof of funds withdrawal in the loan file. - Due Diligence Vendor-10/23/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying DTI below maximum allowed - DTI 42.84% 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 |
| 850161 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 07:33 | 2025-10-21 10:47 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-This condition is resolved or not applicable. - Due Diligence Vendor-10/21/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Provide further hazard coverage to cover the Insufficient Coverage for the Subject Property. - Due Diligence Vendor-10/17/2025 |  | Resolved-This condition is resolved or not applicable. - Due Diligence Vendor-10/21/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying DTI below maximum allowed - DTI 42.84% 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 |
| 850186 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 12:43 | 2025-11-10 13:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow Condo insuruance with out 100% replacement cost, Non-materialwaiver applied with comp factors. non-material due to - Due Diligence Vendor-10/22/2025 <br> Open-xxxxxx project does not meet minimum insurance requirements; Originator exception in file with compensating factors; blanket client waiver for non-material finding is approved.<br> Exception on pages 122 and 876. - Due Diligence Vendor-10/22/2025 |  | Waived-Client exception granted to allow Condo insuruance with out 100% replacement cost, Non-materialwaiver applied with comp factors. non-material due to - Due Diligence Vendor-10/22/2025 | Months Reserves exceed minimum required - 6 months reserves is required and the borrower has over 228 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 fico score of 767. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850186 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 08:33 | 2025-10-28 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-<br> Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-10/28/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing A Business Purpose Affidavit is missing from the loan file. - Due Diligence Vendor-10/22/2025 |  | Resolved-<br> Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-10/28/2025<br>| Months Reserves exceed minimum required - 6 months reserves is required and the borrower has over 228 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 fico score of 767. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850264 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850266 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 12:55 | 2025-11-03 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received EAD card - Due Diligence Vendor-11/03/2025 <br>Open-Borrower Citizenship Documentation Is Missing -----Borrower Citizenship Documentation Is Missing - Due Diligence Vendor-10/27/2025 |  | Resolved-Received EAD card - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - DTI = 11.16% - Max DTI = 50%<br>Months Reserves exceed minimum required - Reserves = 71.97 months – Required Reserves = 9 Months<br>|  | 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 |
| 850266 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 10:54 | 2025-11-03 11:28 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Receive supplement report with sufficient coverage. - Due Diligence Vendor-11/03/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is not sufficient - Due Diligence Vendor-10/29/2025 |  | Resolved-Receive supplement report with sufficient coverage. - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - DTI = 11.16% - Max DTI = 50%<br>Months Reserves exceed minimum required - Reserves = 71.97 months – Required Reserves = 9 Months<br>|  | 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 |
| 850266 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 10:58 | 2025-11-03 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received SOS verification. - Due Diligence Vendor-11/03/2025 <br>Open-Borrower 1 CPA Letter Missing Missing evidence of the business for the previous 2 years. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received SOS verification. - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - DTI = 11.16% - Max DTI = 50%<br>Months Reserves exceed minimum required - Reserves = 71.97 months – Required Reserves = 9 Months<br>|  | 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 |
| 850266 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 13:10 | 2025-10-31 14:15 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Per the guidelines the ACH form is encouraged but not required. - Due Diligence Vendor-10/31/2025 <br> Counter-Client comments - xxxxxx, Please cancel condition. xxxxxx, 1.8.2.1 AUTOMATED CLEARING HOUSE (ACH) PAYMENTS Sellers are STRONGLY ENCOURAGED to use the xxxxxx (ACH) Form at closing to establish automated payments for the borrower, see Automatic Payment Authorization (ACH) Form. Borrowers may select a draft date within the grace period stated on the Note. - AUDIT Response- Unable to cancel until Citizenship documentation are reviewed. - Due Diligence Vendor-10/31/2025 <br> Open-Foreign National but the ACH form is Missing from file. Per Final 1003 borrower indicted she is a non-permanent resident; citizenship has not been established. - Due Diligence Vendor-10/28/2025 |  | Resolved-Per the guidelines the ACH form is encouraged but not required. - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below maximum allowed - DTI = 11.16% - Max DTI = 50%<br>Months Reserves exceed minimum required - Reserves = 71.97 months – Required Reserves = 9 Months<br>|  | 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 |
| 850266 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 12:49 | 2025-10-31 12:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-10/31/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal description is missing from DOT. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received Legal. - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below maximum allowed - DTI = 11.16% - Max DTI = 50%<br>Months Reserves exceed minimum required - Reserves = 71.97 months – Required Reserves = 9 Months<br>|  | 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 |
| 850462 | xxxxxx B A | Closed | xxxxxx | 2025-10-21 11:13 | 2025-10-21 11:13 | 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-10/24/2025 |  | 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-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 715 qualifying FICO score, minimum score required is 680.<br>CLTV is less than guidelines maximum - 64.08 CLTV% - Max CLTV is 75% |  | 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 |
| 850464 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850517 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850617 | 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 |  |  |  |
| 850620 | 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 |  |  |  |
| 850621 | xxxxxx C A | Closed | xxxxxx | 2025-06-18 13:46 | 2025-08-04 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received Certification of Trust. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Please see attached Trust Certificate. - Seller-08/01/2025 <br> Open-Trust/POA Does Not Meet Guideline Requirements Missing copy of the vested trust or cert of trust. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. Please see attached Trust Certificate. - Seller-08/01/2025<br>| Resolved-Received Certification of Trust. - Due Diligence Vendor-08/04/2025<br>| CLTV is less than guidelines maximum - CLTV is less than 45%, max allowed is 70%<br>Months Reserves exceed minimum required - 0 reserves required, borrower has 10.24 documented<br>Long term residence - Borrowers are current residence for 27 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.59 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850623 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850625 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850632 | 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 |  |  |  |
| 850635 | xxxxxx C A | Closed | xxxxxx | 2025-10-01 15:04 | 2025-10-06 14:10 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW Attestation. - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. please see page 23 \*\*\* Condo is Warrantable - Seller-10/02/2025 <br>Open-UW Attestation/Docs stating warrantability are missing. UW did not make notes on 1008 or Approval - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. please see page 23 \*\*\* Condo is Warrantable - Seller-10/02/2025<br>| Resolved-Received UW Attestation. - Due Diligence Vendor-10/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39.88%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 818 |  | 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 |
| 850635 | xxxxxx C A | Closed | xxxxxx | 2025-09-30 13:22 | 2025-10-06 14:10 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded DOT w/Legal. - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/02/2025<br>| Resolved-Received Recorded DOT w/Legal. - Due Diligence Vendor-10/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39.88%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 818 |  | 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 |
| 850639 | 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 |  |  |  |
| 850641 | xxxxxx C A | Closed | xxxxxx | 2025-09-26 10:07 | 2025-10-03 07:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Rebuttal with corresponding CDs uploaded - Seller-10/02/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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 $176.00 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 $176.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations is 1 year. Expiration date xxxxxx - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. Rebuttal with corresponding CDs uploaded - Seller-10/02/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39.41%<br>Months Reserves exceed minimum required - 0 months reserves required, borrower has 43.63 documented |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850642 | xxxxxx C B A | Closed | xxxxxx | 2025-10-01 09:04 | 2025-10-06 09:09 | 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 Approval in file – Stips 1. Housing History – Seeking exception to proceed with 1x30x12 – Current Guideline Description – 0x30x12 on xxxxxx HELOAN<br> - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. Please see attached exception allowing a 1X30 - Seller-10/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower has 1x30 in the last 12 months on the xxxxxx for property xxxxxx. Matrix/ Guidelines only allow 0 X 30 days late in the last 12 months. This loan does not meet guidelines. - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing a 1X30 - Seller-10/02/2025<br>| Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception Approval in file – Stips 1. Housing History – Seeking exception to proceed with 1x30x12 – Current Guideline Description – 0x30x12 on xxxxxx HELOAN<br> - Due Diligence Vendor-10/06/2025 | CLTV is less than guidelines maximum - Max CLTV 70%- Borrower's CLTV 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 702 | 1. CLTV 20% below max<br> 2. DTI 5% + below max<br> 3. at primary residence 6 years<br> 4. Years on Job = 15 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 850642 | xxxxxx C B A | Closed | xxxxxx | 2025-10-01 09:21 | 2025-10-06 09:08 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-HELOC tied to xxxxxx - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. Please see attached Prop Profile showing that the xxxxxx HELOC is attached to the borrower's Primary Residence. In addition, a copy of the 1003 and 1008 has been provided to show the DTI is still below 50% DTI and would still meet guidelines. - Seller-10/02/2025 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. What property is xxxxxx- HELOC is against? Upon receipt, additional conditions may apply. - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. Please see attached Prop Profile showing that the xxxxxx HELOC is attached to the borrower's Primary Residence. In addition, a copy of the 1003 and 1008 has been provided to show the DTI is still below 50% DTI and would still meet guidelines. - Seller-10/02/2025 | Resolved-HELOC tied to xxxxxx - Due Diligence Vendor-10/06/2025 | CLTV is less than guidelines maximum - Max CLTV 70%- Borrower's CLTV 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 702 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850642 | xxxxxx C B A | Closed | xxxxxx | 2025-09-30 12:03 | 2025-10-06 08:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 1105 and attached herein. - Seller-10/01/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT is missing the legal description Exhibit A. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 1105 and attached herein. - Seller-10/01/2025<br>| Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-10/06/2025<br>| CLTV is less than guidelines maximum - Max CLTV 70%- Borrower's CLTV 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 702 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850644 | xxxxxx B A | Closed | xxxxxx | 2025-10-06 10:19 | 2025-10-06 10:49 | 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 '4'). Originator waiver applied to non-material Findings - Due Diligence Vendor-10/06/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings - Due Diligence Vendor-10/06/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 29.42%<br>CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 74.97% |  | 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 |
| 850645 | xxxxxx C A | Closed | xxxxxx | 2025-10-01 13:05 | 2025-10-10 14:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Please note that just because the Legal Description was not near the DOT does not mean it was not part of the DOT. Documents can get mixed in the delivery process. - Seller-10/08/2025 <br>Counter-Please provide complete security instrument with legal attached. - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 607-608 and attached herein. - Seller-10/06/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description in Deed of Trust/ Mortgage chain. - Due Diligence Vendor-10/01/2025 | Ready for Review-Please note that just because the Legal Description was not near the DOT does not mean it was not part of the DOT. Documents can get mixed in the delivery process. - Seller-10/08/2025 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 607-608 and attached herein. - Seller-10/06/2025<br>| Resolved-Received Legal. - Due Diligence Vendor-10/10/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 30.07%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO score 680- Borrower's FICO 752 |  | 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 |
| 850647 | xxxxxx C A | Closed | xxxxxx | 2025-10-06 15:00 | 2025-10-09 08:23 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received Post CD dated xxxxxx. Finding resolved. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/08/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ---- Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/08/2025<br>| Resolved------Received Post CD dated xxxxxx. Finding resolved. - Due Diligence Vendor-10/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 750<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 40.7% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850648 | xxxxxx D A | Closed | xxxxxx | 2025-10-02 12:46 | 2025-11-12 12:22 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-11/12/2025 <br> Resolved-Upon further review, the AVM and PCI included in the original file. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 615-646 and attached herein. - Seller-10/06/2025 <br> Counter-Exception for AVM product provided. Upon further review the AVM value has a 90% confidence score which is within the guidelines, however the Property Condition Report was not located in the loan file. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The loan file included the attached Exception to allow the AVM. The AVM has a 90% Confidence score for the value, and since rental income is not being used for qualification, the rental value confidence score does is immaterial. - Seller-10/02/2025 <br> Open-Appraisal is Missing AVM factor > 10%, full appraisal required. Exterior form in file is not acceptable. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 615-646 and attached herein. - Seller-10/06/2025 <br>Ready for Review-Document Uploaded. We respectfully disagree. The loan file included the attached Exception to allow the AVM. The AVM has a 90% Confidence score for the value, and since rental income is not being used for qualification, the rental value confidence score does is immaterial. - Seller-10/02/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-11/12/2025 <br>Resolved-Upon further review, the AVM and PCI included in the original file. - Due Diligence Vendor-11/11/2025<br>| Months Reserves exceed minimum required - 0 mths reserves req'd --- Borrower has 36.26 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 43.5% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850649 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850651 | xxxxxx C A | Closed | xxxxxx | 2025-10-13 14:21 | 2025-10-20 14:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Received New Matrix which has been approved. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-We respectfully disagree. The Subject loan is a xxxxxx 2nd and the 09/10/2025 matrix was provided. Please refer to attachment on 10/14/2025 3.37 PM. - Seller-10/16/2025 <br> Counter-Loan was submitted with xxxxxx xxxxxx Matrix. 09/10/2025 Matrix has not been provided. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Please see attached Matrix allowing loan amount up to xxxxxx. - Seller-10/14/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $750000 Loan amount of xxxxxx, exceeds program maximum of $750K. No exception noted in file. - Due Diligence Vendor-10/13/2025 | Ready for Review-We respectfully disagree. The Subject loan is a xxxxxx 2nd and the 09/10/2025 matrix was provided. Please refer to attachment on 10/14/2025 3.37 PM. - Seller-10/16/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Please see attached Matrix allowing loan amount up to xxxxxx. - Seller-10/14/2025 | Resolved-Received New Matrix which has been approved. - Due Diligence Vendor-10/20/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV 90%, subject CLTV 69.92%<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 26.34% |  | 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 |
| 850742 | 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 |  |  |  |
| 850803 | xxxxxx B A | Closed | xxxxxx | 2025-10-30 11:17 | 2025-10-30 11:30 | 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-10/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 741; minimum score 640<br>Qualifying DTI below maximum allowed - qualifying DTI 18.34% max 43%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850858 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 13:57 | 2025-10-29 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-10/29/2025 <br>Open-Missing Hazard Insurance Policy Missing Hazard Insurance Policy - Due Diligence Vendor-10/24/2025 |  | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 720 vs. min FICO 680<br>Months Reserves exceed minimum required - 7.93 months available vs. 4 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850960 | xxxxxx D B A | Closed | xxxxxx | 2025-10-02 15:29 | 2025-10-08 17:23 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/06/2025 <br>Open-Missing Appraisal Desk Review. CU and LCA in file. Per guides pg29: A copy of the appraisal desk review report should be submitted in the loan file. The review must not be over 120 days old from the date of the Note. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/06/2025<br>| Resolved-Received Desk Review. Value supported - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 693. Per guide, a minimum score required 660.<br>Months Reserves exceed minimum required - 9.85mos reserves. Per guides, 4mos reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850960 | xxxxxx D B A | Closed | xxxxxx | 2025-10-02 12:06 | 2025-10-02 12:06 | 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-10/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 693. Per guide, a minimum score required 660.<br>Months Reserves exceed minimum required - 9.85mos reserves. Per guides, 4mos reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 850977 | xxxxxx B A | Closed | xxxxxx | 2025-10-27 10:52 | 2025-10-27 11:41 | 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-10/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - 4 months reserves required / Borrower reserves 36.34 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 760 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850981 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851005 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 15:05 | 2025-10-29 11:04 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing compliance documents. - Due Diligence Vendor-10/29/2025 <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. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received missing compliance documents. - Due Diligence Vendor-10/29/2025<br>| LTV is less than guideline maximum - 80% LTV ratio, 90% maximum LTV allowed.<br>Months Reserves exceed minimum required - Qualifying reserves 28 months, guidelines require 12 months. <br>Qualifying DTI below maximum allowed - 34.47% DTI ratio, 50% maximum DTI allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 851005 | xxxxxx C A | Closed | xxxxxx | 2025-10-22 15:49 | 2025-10-29 10:24 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received CD's xxxxxx and xxxxxx. finding Resolved. - Due Diligence Vendor-10/29/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-10/22/2025 |  | Resolved-----Received CD's xxxxxx and xxxxxx. finding Resolved. - Due Diligence Vendor-10/29/2025 | LTV is less than guideline maximum - 80% LTV ratio, 90% maximum LTV allowed.<br>Months Reserves exceed minimum required - Qualifying reserves 28 months, guidelines require 12 months. <br>Qualifying DTI below maximum allowed - 34.47% DTI ratio, 50% maximum DTI allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 851327 | xxxxxx B A | Closed | xxxxxx | 2025-10-30 10:58 | 2025-10-31 09:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non material finding with comp factors. Deemed non material due to less than 1 month short.<br> - Due Diligence Vendor-10/31/2025 <br>Open-Audited Reserves of 5.09 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/30/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non material due to less than 1 month short.<br> - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below maximum allowed - 13.52% < 43% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 660 min fico - qualifying fico 701 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851483 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011128 | xxxxxx C B A | Closed | xxxxxx | 2025-07-03 09:00 | 2025-07-03 09:30 | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Client exception granted to allow balloon extension on payoff. Non-material waiver applied with comp factors. Deemed non-material due to common for private mortgages. - Due Diligence Vendor-07/03/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lien being paid off has a balloon feature maturing > 30 days past closing, extension given - Due Diligence Vendor-07/03/2025 |  | Waived-Client exception granted to allow balloon extension on payoff. Non-material waiver applied with comp factors. Deemed non-material due to common for private mortgages. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776 guidelines require 680<br>CLTV is less than guidelines maximum - Max LTV less than 85% max | DTI < 36%<br> FICO 776<br> > 10 year job time<br> > 5 years at subject address | 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 |
| 2000011128 | xxxxxx C B A | Closed | xxxxxx | 2025-07-01 15:01 | 2025-07-02 07:51 | 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-07/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776 guidelines require 680<br>CLTV is less than guidelines maximum - Max LTV less than 85% max |  | 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 |
| 2000011194 | xxxxxx B A | Closed | xxxxxx | 2025-07-22 09:57 | 2025-07-22 09:57 | 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-07/22/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 705 is at least 20 points above minimum for program 680.<br>CLTV is less than guidelines maximum - CLTV 60.12 is less than guidelines maximum 75 |  | 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 |
| 2000011201 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-22 19:07 | 2025-07-28 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Pay statement within 30 days of Note date is acceptable in lieu of VVOE. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Paystub is dated 6/13 and note date xxxxxx which is less than 30 days. Paystub dated within 30 days is allowed guideline section 2.7.5.3 - Seller-07/25/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing B2 Verbal VOE. - Due Diligence Vendor-07/22/2025 | Ready for Review-Paystub is dated 6/13 and note date xxxxxx which is less than 30 days. Paystub dated within 30 days is allowed guideline section 2.7.5.3 - Seller-07/25/2025 | Resolved-Pay statement within 30 days of Note date is acceptable in lieu of VVOE. - Due Diligence Vendor-07/28/2025<br>| Qualifying DTI below maximum allowed - Audit DTI ratio is 42.44%, DTI max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 703 qualifying FICO score, 680 minimim score 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 |
| 2000011201 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-22 15:35 | 2025-07-28 08:35 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received ITP signed xxxxxx. Finding resolved. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. ITP - Seller-07/25/2025 <br> Open-Missing intent to proceed, fees paid outside of closing. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. ITP - Seller-07/25/2025<br>| Resolved-Received ITP signed xxxxxx. Finding resolved. - Due Diligence Vendor-07/28/2025 | Qualifying DTI below maximum allowed - Audit DTI ratio is 42.44%, DTI max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 703 qualifying FICO score, 680 minimim score 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 |
| 2000011201 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-23 17:08 | 2025-07-23 20:12 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client waiver in file. - Due Diligence Vendor-07/24/2025 <br>Open-NSF's do not meet guidelines. B1 qualified with 12-month bank statements, with 4 NSF's in the most recent 3-month period and a total of 7 NSF's over the most recent 12 months. Client exception in file noting "NSFs not indicative of hardship or financial mismanagement." - Due Diligence Vendor-07/23/2025 |  | Waived-Client waiver in file. - Due Diligence Vendor-07/24/2025<br>| Qualifying DTI below maximum allowed - Audit DTI ratio is 42.44%, DTI max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 703 qualifying FICO score, 680 minimim score required. | Long-time ownership of subject.<br> Stable employment.<br> Good credit and mortgage repayment history. | 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 |
| 2000011201 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-22 14:18 | 2025-07-22 15:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/22/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below maximum allowed - Audit DTI ratio is 42.44%, DTI max is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - 703 qualifying FICO score, 680 minimim score 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 |
| 2000011312 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-05 09:39 | 2025-10-03 13:40 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised 1003. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. It was error, revised 1003 - Seller-10/02/2025 <br> Open-Final 1003 Section 4b shows a NEW first lien was taken with xxxxxx. The monthly payment is the same as the existing 1st lien but the unpaid principal balance is greater. The loan was reviewed as if the lien was the existing 1st lien and that this information is erroneous. Final 1003 also shows borrower is living rent free at the subject property. Additional findings may apply. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. It was error, revised 1003 - Seller-10/02/2025<br>| Resolved-Received revised 1003. - Due Diligence Vendor-10/03/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 80%<br>Qualifying DTI below maximum allowed - Qualifying DTI 15.51%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011312 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-05 10:07 | 2025-09-22 11:33 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received Appraisal and corresponding CU - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Don't know what you have here is the most recent appraisal and CU. - Seller-09/18/2025 <br> Ready for Review-Please see attached. - Due Diligence Vendor-09/18/2025 <br> Open-(1) Missing the appraisal that corresponds to the most recent CU provided which was run 08/19/2025 19:54:10 and shows that a Date of Sale adjustment was applied to Comp 2 but the appraisal provided does not reflect the adjustment. (2) The appraiser's comments indicate that review comp #1 was ruled out for being dated (sold in xxxxxx) but Comp 2 on the report also sold in xxxxxx. (3) Comp 2 shares similar xxxxxx; Res View. (4) Additional findings may apply. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Don't know what you have here is the most recent appraisal and CU. - Seller-09/18/2025<br>| Resolved-Received Appraisal and corresponding CU - Due Diligence Vendor-09/22/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 80%<br>Qualifying DTI below maximum allowed - Qualifying DTI 15.51%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011312 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-05 10:15 | 2025-09-18 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-After further review, all of the deposits are from the same source and in July 2024 deposits were less than average followed by an increase in deposits the following month. Excluding the deposits in 8/24, the DTI would be 20%. - Due Diligence Vendor-09/18/2025 <br> Counter-Revenue is not consistent--finding remain--Missing letter of explanation for significantly greater revenues in the month of August 2024 which are not consistent with the remainder of the deposit history. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-This should not be needed look at all the deposits they are insurance claims so there is no set timeline those are paid and / or submitted. - Seller-09/11/2025 <br> Open-Missing letter of explanation for significantly greater revenues in the month of August 2024 which are not consistent with the remainder of the deposit history. - Due Diligence Vendor-09/05/2025 | Ready for Review-This should not be needed look at all the deposits they are insurance claims so there is no set timeline those are paid and / or submitted. - Seller-09/11/2025<br>| Resolved-After further review, all of the deposits are from the same source and in July 2024 deposits were less than average followed by an increase in deposits the following month. Excluding the deposits in 8/24, the DTI would be 20%. - Due Diligence Vendor-09/18/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 80%<br>Qualifying DTI below maximum allowed - Qualifying DTI 15.51%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011312 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-05 10:07 | 2025-09-16 11:14 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Ready for Review-Please see attached. - Due Diligence Vendor-09/15/2025 <br> Open-Four xxxxxx CU reports were provided. The most recent report was run 08/19/2025 19:54:10 and shows a score that exceeds 2.5. The appraiser's comments dated xxxxxx refer to comps recommended by a review valuation but no CDA or other review valuation was provided. Provide acceptable secondary valuation(s) within allowable tolerance to support the appraised value. Original appraiser to address any discrepancies between the review and Original Appraisal. Additional findings may apply. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-09/16/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 80%<br>Qualifying DTI below maximum allowed - Qualifying DTI 15.51%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011312 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-05 10:21 | 2025-09-15 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Note and HOI for xxxxxx. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. new loan whole # xxxxxx - Seller-09/11/2025 <br> Open-Missing 2nd lien information for REO xxxxxx with monthly payment of xxxxxx and evidence of insurance for xxxxxx a month. Additional findings may apply. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. new loan whole xxxxxx - Seller-09/11/2025 | Resolved-Received Note and HOI for xxxxxx. - Due Diligence Vendor-09/15/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 80%<br>Qualifying DTI below maximum allowed - Qualifying DTI 15.51%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011312 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-03 16:53 | 2025-09-09 15:43 | 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-09/09/2025 <br> Ready for Review-The xxxxxx is not a transfer tax and was disclose on the LE as part of the xxxxxx. - Seller-09/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxxxxx.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. Statute of Limitations 3 years- Expiration date is xxxxxx<br> - Due Diligence Vendor-09/03/2025 | Ready for Review-The xxxxxx is not a transfer tax and was disclose on the LE as part of the xxxxxx. - Seller-09/08/2025 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-09/09/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 80%<br>Qualifying DTI below maximum allowed - Qualifying DTI 15.51%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011312 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-05 10:10 | 2025-09-09 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Surplus insurance policy required per guides | Resolved-After further review, the guidelines do not require a surplus policy and the insurance provided is sufficient. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Please clarify what this is asking. I don't see any verbiage regarding "surplus" in the guides. - Due Diligence Vendor-09/08/2025 <br>Open-Missing Surplus insurance policy required per guides. Current insurance provider to confirm that the dwelling coverage for both policies is sufficient to cover 100% of replacement costs, that no perils are excluded including any perils that the subject property may have a higher risk of due to its property location. Additional findings may apply. - Due Diligence Vendor-09/05/2025 |  | Resolved-After further review, the guidelines do not require a surplus policy and the insurance provided is sufficient. - Due Diligence Vendor-09/09/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 80%<br>Qualifying DTI below maximum allowed - Qualifying DTI 15.51%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011312 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-03 16:06 | 2025-09-04 10:44 | 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-09/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-09/04/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 80%<br>Qualifying DTI below maximum allowed - Qualifying DTI 15.51%; max 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011330 | xxxxxx C B A | Closed | xxxxxx | 2025-09-22 07:27 | 2025-09-25 12:01 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Please see attached. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. updated title policy - Seller-09/23/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount.- Insured coverage is xxxxxx it should be for xxxxxx. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. updated title policy - Seller-09/23/2025<br>| Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 805; minimum score 720.<br>LTV is less than guideline maximum - LTV 42.94% max 80%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011330 | xxxxxx C B A | Closed | xxxxxx | 2025-09-19 11:11 | 2025-09-19 12:05 | 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. - Due Diligence Vendor-09/19/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 805; minimum score 720.<br>LTV is less than guideline maximum - LTV 42.94% max 80%. |  | 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 |
| 2000011347 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-11 13:09 | 2025-09-22 09:41 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no additional information is required. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Loan change from LPC to BPC. Equaling lower comp which is a benefit to the borrower. Lender discount points removed. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Loan change from LPC to BPC. Equaling lower comp which is a benefit to the borrower. Lender discount points removed. - Seller-09/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,875.00.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 $4,875 (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 $4,875, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations xxxxxx - Due Diligence Vendor-09/11/2025 | Ready for Review-Loan change from LPC to BPC. Equaling lower comp which is a benefit to the borrower. Lender discount points removed. - Seller-09/18/2025<br>| Resolved-Upon further review, no additional information is required. - Due Diligence Vendor-09/22/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Months Reserves exceed minimum required - Reserves = 23 months – Required Reserves = 3 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 |
| 2000011347 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-15 09:39 | 2025-09-16 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-After further review, the guides do not require a VOE on a 1099 borrower. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-1099 program not required. - Due Diligence Vendor-09/16/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/15/2025 |  | Resolved-After further review, the guides do not require a VOE on a 1099 borrower. - Due Diligence Vendor-09/16/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Months Reserves exceed minimum required - Reserves = 23 months – Required Reserves = 3 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 |
| 2000011347 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-15 09:39 | 2025-09-16 13:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-After further review, the guides allow a paystub within 30 days of closing. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Paystub from xxxxxx dated 8/14/25 is within 30 days of note. Paystub from xxxxxx dated 8/15/25 is within 30 days of note date. - Due Diligence Vendor-09/16/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/15/2025 |  | Resolved-After further review, the guides allow a paystub within 30 days of closing. - Due Diligence Vendor-09/16/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Months Reserves exceed minimum required - Reserves = 23 months – Required Reserves = 3 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 |
| 2000011347 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-15 09:56 | 2025-09-16 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the mortgage needs to be current within 45 days of application date. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Not required. Per guides housing payments must be paid current as of 45 days from loan application date. - Due Diligence Vendor-09/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Mortgage statement not provided for xxxxxx. - Due Diligence Vendor-09/15/2025 |  | Resolved-After further review, the mortgage needs to be current within 45 days of application date. - Due Diligence Vendor-09/16/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Months Reserves exceed minimum required - Reserves = 23 months – Required Reserves = 3 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 |
| 2000011347 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-11 12:32 | 2025-09-11 12:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/11/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/11/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Months Reserves exceed minimum required - Reserves = 23 months – Required Reserves = 3 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 |
| 2000011360 | xxxxxx D A C | Closed | xxxxxx | 2025-09-16 09:50 | 2025-09-25 09:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Not required - we do not have affiliates we are using to provide any services. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-No required - we do not have affiliates we are using to provide any services. - Seller-09/23/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-09/16/2025 | Ready for Review-No required - we do not have affiliates we are using to provide any services. - Seller-09/23/2025<br>| Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 788 vs. min FICO 680<br>CLTV is less than guidelines maximum - 56.48% CLTV vs. max 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 |
| 2000011360 | xxxxxx D A C | Closed | xxxxxx | 2025-09-16 14:24 | 2025-09-22 09:39 | Resolved | 1 - Information C A | Credit | Eligibility | Acreage exceeds guidelines | Resolved-After further review, the max acreage is 20 acres. - Due Diligence Vendor-09/22/2025 <br> Open-Guides allow up to 5 acres. Property is xxxxxx acres. - Due Diligence Vendor-09/16/2025 |  | Resolved-After further review, the max acreage is 20 acres. - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 788 vs. min FICO 680<br>CLTV is less than guidelines maximum - 56.48% CLTV vs. max 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 |
| 2000011380 | xxxxxx B A | Closed | xxxxxx | 2025-09-23 15:50 | 2025-09-23 15:50 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/23/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 747. Min FICO required 700.<br>Qualifying DTI below maximum allowed - DTI 25.61%. Max DTI allowed 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011384 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 08:22 | 2025-10-02 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose - Due Diligence Vendor-10/02/2025 <br>Ready for Review-page 265 - Seller-09/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-09/30/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Missing Business Purpose Affidavit Disclosure - Due Diligence Vendor-09/25/2025 | Ready for Review-page 265 - Seller-09/30/2025<br>| Resolved-Received Business Purpose - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - >84 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 798 vs. min FICO 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011392 | xxxxxx D B A | Closed | xxxxxx | 2025-09-30 16:27 | 2025-10-07 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review, no additional documentation required. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-This is not required this is ITIN program. We have state issued ID (xxxxxx Drivers license) in file and the ITIN letter and that's all that's required. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-This is not required this is ITIN program. We have state issued ID (xxxxxx Drivers license) in file and the ITIN letter and that's all that's required. - Seller-10/03/2025 <br> Open-Borrower Citizenship Documentation Is Missing Passport and non perm docs not evidenced in file - Due Diligence Vendor-10/02/2025 | Ready for Review-This is not required this is ITIN program. We have state issued ID (xxxxxx Drivers license) in file and the ITIN letter and that's all that's required. - Seller-10/03/2025 | Resolved-Upon further review, no additional documentation required. - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 798 exceeds min of 660<br>LTV is less than guideline maximum - LTV 70% less than 80% guidelines max. |  | 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 |
| 2000011392 | xxxxxx D B A | Closed | xxxxxx | 2025-09-30 16:35 | 2025-09-30 16:35 | 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. - Due Diligence Vendor-09/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----Client waiver applied to non-material Findings. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 798 exceeds min of 660<br>LTV is less than guideline maximum - LTV 70% less than 80% guidelines max. |  | 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 |
| 2000011394 | xxxxxx C B A | Closed | xxxxxx | 2025-10-06 07:55 | 2025-10-08 13:50 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-After further review, there is no deficiency noted by the appraiser, nothing further is needed. - Due Diligence Vendor-10/08/2025 <br> Open-No xxxxxx verified - Due Diligence Vendor-10/06/2025 |  | Resolved-After further review, there is no deficiency noted by the appraiser, nothing further is needed. - Due Diligence Vendor-10/08/2025<br>| Qualifying DTI below maximum allowed - 2.55% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 105.17 mos reserves; 3 mos required |  | 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 |
| 2000011394 | xxxxxx C B A | Closed | xxxxxx | 2025-10-06 07:55 | 2025-10-07 07:48 | Resolved | 1 - Information C A | Property | Appraisal | Unsupported adjustments or comps | Resolved-After further review, the appraiser makes comments on the gross adjustments. - Due Diligence Vendor-10/07/2025 <br>Open-Comps 1 and 2 gross adjustments - Due Diligence Vendor-10/06/2025 |  | Resolved-After further review, the appraiser makes comments on the gross adjustments. - Due Diligence Vendor-10/07/2025<br>| Qualifying DTI below maximum allowed - 2.55% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 105.17 mos reserves; 3 mos required |  | 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 |
| 2000011394 | xxxxxx C B A | Closed | xxxxxx | 2025-10-06 09:32 | 2025-10-06 15:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/06/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Exception Provided for Rural property exceed 70% CLTV/LTV - Due Diligence Vendor-10/06/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/06/2025<br>| Qualifying DTI below maximum allowed - 2.55% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 105.17 mos reserves; 3 mos required | Reserves $309356 106 mo (min $8739 3 mo), <br> DTI 1.44% (max 50%), <br> FICO 673 (min 660), <br> Mtg history 0x30x36, <br> Residual $429086 (min $2500),<br> S/E 5yr, <br> Loan is escrowing | 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 |
| 2000011394 | xxxxxx C B A | Closed | xxxxxx | 2025-10-03 14:32 | 2025-10-03 14:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-10/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - 2.55% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 105.17 mos reserves; 3 mos required |  | 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 |
| 2000011395 | xxxxxx D B A | Closed | xxxxxx | 2025-10-01 17:03 | 2025-10-03 07:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the UDM is on the fraud report. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-UDM is on fraud report dated xxxxxx which is within 10 days of note date of xxxxxx. - Due Diligence Vendor-10/02/2025 <br> Open-Borrower 1 Gap Credit Report is Missing The undisclosed debt monitoring report was not identified in the file. - Due Diligence Vendor-10/02/2025 |  | Resolved-After further review, the UDM is on the fraud report. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 740<br>CLTV is less than guidelines maximum - 80% CLTV is less than 85% guidelines maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011395 | xxxxxx D B A | Closed | xxxxxx | 2025-09-30 16:13 | 2025-09-30 16:13 | 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-09/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 740<br>CLTV is less than guidelines maximum - 80% CLTV is less than 85% guidelines maximum |  | 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 |
| 2000011408 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-07 13:24 | 2025-10-16 15:53 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Rec'd LE issued xxxxxx acknowledged by borrower. Finding resolved. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. -----LE issued xxxxxx, no closing tracking receipt to determine if LE was provided to borrower prior to Initial CD. Provide proof of delivery - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Rec'd LE issued xxxxxx acknowledged by borrower. Finding resolved. - Due Diligence Vendor-10/16/2025 | Qualifying DTI below maximum allowed - DTI = 38.84% - Max DTI = 50%<br>CLTV is less than guidelines maximum - CLTV = 56.19% - Max LTV = 85%<br>|  | 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 |
| 2000011408 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-07 15:52 | 2025-10-10 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD Rider. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. - Seller-10/09/2025 <br>Open-PUD Rider is Missing Missing a PUD rider - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-Received PUD Rider. - Due Diligence Vendor-10/10/2025<br>| Qualifying DTI below maximum allowed - DTI = 38.84% - Max DTI = 50%<br>CLTV is less than guidelines maximum - CLTV = 56.19% - Max LTV = 85%<br>|  | 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 |
| 2000011408 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-07 12:50 | 2025-10-10 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. attached - Seller-10/09/2025 <br>Open-The Deed of Trust is Missing DOT is Missing. Additional conditions may apply. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. attached - Seller-10/09/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/10/2025<br>| Qualifying DTI below maximum allowed - DTI = 38.84% - Max DTI = 50%<br>CLTV is less than guidelines maximum - CLTV = 56.19% - Max LTV = 85%<br>|  | 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 |
| 2000011408 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-08 10:55 | 2025-10-08 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-After further review, there is not a separate REO. The lender included an adjustment to account for the ARM adjustment on the primary residence. - Due Diligence Vendor-10/08/2025 <br> Open-Liability section of loan application reflects the following: "1str mtg pmt for ARM remaining for account ending "9999" with an unpaid balance of "$99,000" and monthly payment of "$789.87." Loan file missing documentation of the mortgage obligation. Mortgage is not reported on the borrower's credit report or found on fraud report. Please provide a VOM/credit supplement and additional documentation to verify the opening date, payment history, and property details associated with the mortgage. Additional conditions/requirements, including verification of housing history, and any applicable taxes/insurance/HOA fees may apply, pending review of the loan documentation. - Due Diligence Vendor-10/08/2025 |  | Resolved-After further review, there is not a separate REO. The lender included an adjustment to account for the ARM adjustment on the primary residence. - Due Diligence Vendor-10/08/2025<br>| Qualifying DTI below maximum allowed - DTI = 38.84% - Max DTI = 50%<br>CLTV is less than guidelines maximum - CLTV = 56.19% - Max LTV = 85%<br>|  | 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 |
| 2000011408 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-08 11:09 | 2025-10-08 15:04 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Credit History was not Considered Properly | Resolved-After further review, there is not a separate REO. The lender included an adjustment to account for the ARM adjustment on the primary residence. - Due Diligence Vendor-10/08/2025 <br> Open-ATR: Credit History was not Considered Properly Missing VOM for an unknown mortgage reported in the liabilities section of the loan application. - Due Diligence Vendor-10/08/2025 |  | Resolved-After further review, there is not a separate REO. The lender included an adjustment to account for the ARM adjustment on the primary residence. - Due Diligence Vendor-10/08/2025<br>| Qualifying DTI below maximum allowed - DTI = 38.84% - Max DTI = 50%<br>CLTV is less than guidelines maximum - CLTV = 56.19% - Max LTV = 85%<br>|  | 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 |
| 2000011408 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-08 11:09 | 2025-10-08 15:04 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-After further review, there is not a separate REO. The lender included an adjustment to account for the ARM adjustment on the primary residence. - Due Diligence Vendor-10/08/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. Missing VOM for an unknown mortgage reported in the liabilities section of the loan application. - Due Diligence Vendor-10/08/2025 |  | Resolved-After further review, there is not a separate REO. The lender included an adjustment to account for the ARM adjustment on the primary residence. - Due Diligence Vendor-10/08/2025<br>| Qualifying DTI below maximum allowed - DTI = 38.84% - Max DTI = 50%<br>CLTV is less than guidelines maximum - CLTV = 56.19% - Max LTV = 85%<br>|  | 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 |
| 2000011408 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-07 13:04 | 2025-10-07 13:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-10/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-10/07/2025<br>| Qualifying DTI below maximum allowed - DTI = 38.84% - Max DTI = 50%<br>CLTV is less than guidelines maximum - CLTV = 56.19% - Max LTV = 85%<br>|  | 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 |
| 2000011449 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011495 | xxxxxx B A | Closed | xxxxxx | 2025-10-27 11:54 | 2025-10-27 11:54 | 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-10/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - min fico 680 qualifiying fico 783<br>Qualifying DTI below maximum allowed - DTI max 50% qualifying DTI 36.05% |  | 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 |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**clarifii rating agency grades summary report**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 817559 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 823412 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 830923 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 835269 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836721 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 836915 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 837089 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 837161 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 837618 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 837820 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 837866 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 838381 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 838638 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 838799 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839351 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839473 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 839501 | 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 |
| 839663 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A B | N/A B | N/A B |
| 840048 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840588 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840628 | 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 |
| 840668 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840918 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841247 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841541 | xxxxxx | xxxxxx D | D A | A D | D | D B | B A | A | A B | B |
| 841580 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841685 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841857 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 842079 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842191 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842201 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842214 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842218 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842220 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842221 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842223 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842224 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 842232 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 842236 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842238 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842242 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 842244 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842251 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842254 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842255 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842273 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842280 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842284 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842285 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842495 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842501 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842523 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842621 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842636 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842683 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842796 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 842810 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843037 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843577 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843589 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 843592 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 843594 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A B | B | B |
| 843625 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 843729 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843765 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843771 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843824 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 843867 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843869 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843907 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 843917 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 843954 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843977 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844036 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 844051 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844107 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844111 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844115 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 844136 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844208 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C B | N/A B | N/A B | N/A B | N/A B |
| 844239 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 844244 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844349 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844404 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844526 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844546 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844617 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844668 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844762 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 844834 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 844873 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844885 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844886 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844899 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 844906 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844979 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 844983 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 844993 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845206 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 845230 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 845258 | xxxxxx | xxxxxx A | A D | D C | C D | D A | A | A | A | A |
| 845274 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845385 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845435 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845508 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 845549 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845552 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845563 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845566 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845569 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845570 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845579 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845581 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845728 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 845738 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845740 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845751 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845772 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845775 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845807 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845810 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845817 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845825 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845844 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 845845 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845847 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845848 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 846155 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846251 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846303 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 846320 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846334 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846391 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846423 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846485 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 846528 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846638 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846672 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846710 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846759 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846790 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846817 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846831 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846861 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 846902 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 846910 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 846918 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 846959 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846973 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 847048 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847065 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 847070 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847077 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847086 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847099 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 847158 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847162 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847165 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847188 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847189 | xxxxxx | xxxxxx A | N/A C | N/A C D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 847214 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847315 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 847329 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847363 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847462 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 847466 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847491 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847504 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 847508 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847528 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 847547 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847551 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 847563 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 847604 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847640 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847677 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847688 | xxxxxx | xxxxxx A | N/A | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 847713 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847715 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847717 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 847726 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 847788 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847840 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847858 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 847880 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847886 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 847889 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847891 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 847927 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847931 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847945 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 847947 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847966 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 847969 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 847980 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 847982 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 848014 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 848033 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 848116 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848125 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848175 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848198 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848213 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 848267 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848295 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848296 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848328 | 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 |
| 848329 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848341 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 848344 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 848428 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A |
| 848436 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 848466 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848467 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848486 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 848538 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 848627 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848694 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848707 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848714 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 848745 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 848747 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848750 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848764 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 848780 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848782 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848799 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848817 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848834 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848861 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 848893 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 848896 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848903 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848991 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 848996 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849002 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 849018 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849050 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849145 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 849179 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849217 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849218 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849221 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 849257 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849286 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849305 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 849308 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 849313 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 849327 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 849348 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 849428 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849446 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849548 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849556 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849600 | xxxxxx | xxxxxx D | N/A D B | N/A B D | N/A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 849601 | xxxxxx | xxxxxx D | N/A D B | N/A B D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 849667 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849728 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849737 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849738 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 849916 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849945 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849987 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850014 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850070 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850071 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850074 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 850075 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 850111 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 850123 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850126 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850129 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 850156 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 850161 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850186 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850264 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850266 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850462 | 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 |
| 850464 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850517 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850617 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850620 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850621 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 850623 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850625 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850632 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850635 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 850639 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850641 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 850642 | 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 |
| 850644 | 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 |
| 850645 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 850647 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 850648 | xxxxxx | xxxxxx A | N/A | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 850649 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850651 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 850742 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850803 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 850858 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850960 | xxxxxx | xxxxxx A | A B | B D | D | D A | A B | B A | A B | B |
| 850977 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 850981 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851005 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 851327 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 851483 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011128 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C B | N/A B | N/A B | N/A B | N/A B |
| 2000011194 | 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 |
| 2000011201 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 2000011312 | xxxxxx | xxxxxx D | N/A D C | N/A C D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 2000011330 | 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 |
| 2000011347 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 2000011360 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 2000011380 | 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 |
| 2000011384 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 2000011392 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 2000011394 | xxxxxx | xxxxxx C | C B | B C | C | C B | B | B A | A B | B |
| 2000011395 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 2000011408 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 2000011449 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011495 | 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 |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**Clarifii data compare report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 817559 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 817559 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 823412 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.18 | 74.07 | Per 1008. |
| 830923 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| 835269 | xxxxxx | xxxxxx | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per documents in file |
| 835269 | xxxxxx | xxxxxx | Loan ID | manual | xxxxxx | xxxxxx | Lender loan number. |
| 835269 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 836721 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per appraisal |
| 836915 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 836915 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 67.87 | 68.38 | True Value data LTV match 1008 |
| 836915 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 67.87 | 68.38 | True Value data LTV match 1008 |
| 836915 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Mtg being paid used for original purchase |
| 837089 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.22 | 25.21 | Total debts+ Other REO loss+ Subject PITIA/ Income. |
| 837161 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837161 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 837161 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 837866 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 838381 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838381 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838638 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 838799 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838799 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 838799 | xxxxxx | xxxxxx | ARM Lifetime Interest Rate Cap Maximum | notePage | 5 | 14.50 | Per Note |
| 838799 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | Per appraisal |
| 840048 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 13.57 | 119.00 | per audited assets |
| 840048 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per Settlement Statement |
| 840048 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.092 | 1.2536 | Tape source unknown |
| 840588 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 840588 | xxxxxx | xxxxxx | Interest Only Flag | notePage | Yes | No | Per Note |
| 840588 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 62.39 | 63.47 | Audit LTV matches lenders LTV |
| 840588 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 840668 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | per appraisal |
| 841541 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per Settlement Statement |
| 841541 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 841685 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 704 | 720 | Per credit report. |
| 841685 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | Per appraisal. |
| 841685 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Other | Per appraisal |
| 842191 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 0.05 | 1.00 | Per Asset docs. |
| 842191 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement. |
| 842191 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1930.66 | 1499.66 | Does not include HOA Dues. |
| 842191 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 842191 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 842201 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per HUD settlement statement |
| 842201 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Attached | per appraisal |
| 842214 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per Final Settlement Statement |
| 842218 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2177.24 | 1668.24 | Audit includes HOA |
| 842221 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 842223 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2361.4 | 1863.40 | Audit includes HOA |
| 842223 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.988 | 1 | 1007 market rents / Final PITIA |
| 842224 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 16.32 | 9.00 | Verified assets |
| 842224 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per Settlement Statement |
| 842232 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 842232 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per appraisal |
| 842242 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1773.84 | 1448.84 | audit used HOA dues. |
| 842244 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Settlement Statement |
| 842254 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 842255 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 842273 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 87.52 | 2.00 | Per asset documentation in file. |
| 842280 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 114.36 | 105.00 | Per Final CD - cash back at closing |
| 842280 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 131925.72 | -131957.71 | Per Final CD |
| 842284 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2883.93 | 2843.94 | Audit used HOA dues. |
| 842285 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2502.81 | 2469.49 | Audit used HOA dues. |
| 842495 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per appraisal |
| 842501 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per appraisal |
| 842501 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | per 1003 FN |
| 842621 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 842636 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 62.07 | 64.75 | Loan Amount/Appraised Value. |
| 842636 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 62.07 | 64.75 | Loan Amount/Appraised Value. |
| 842683 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 842683 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 842796 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 843037 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per title |
| 843592 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per contract addendum |
| 843592 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal |
| 843594 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 793 | 797 | per credit report |
| 843594 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | 60 | Per Note |
| 843594 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 843594 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 7 | 5 | per appraisal |
| 843869 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 6.04 | 78.00 | Per Bank Statement |
| 843869 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per Approval |
| 843907 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 843917 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.875 | 8.2500 | Per Note |
| 843977 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 843977 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per contract |
| 843977 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 67.96 | Due to lower sales price |
| 844111 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.33 | 28.00 | In line with 1008 |
| 844111 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title, appraisal |
| 844115 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.63 | 43.00 | In line with 1008 |
| 844115 | xxxxxx | xxxxxx | Interest Only Flag | notePage | Yes | No | Per Note |
| 844115 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and 1008 |
| 844136 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.5 | 0.0750 | Per Note |
| 844136 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | DUPLEX | Per Appraisal |
| 844208 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 844526 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.19 | 27.32 | Audit DTI in-line with 1008. |
| 844617 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.99 | 0.0699 | Per Note |
| 844668 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.375 | 0.0738 | Per Note |
| 844668 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 844762 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.08 | 49.38 | The lender included the taxes and insurance twice. |
| 844762 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844762 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per AVM |
| 844873 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.02 | 46.24 | Audit matches 1008 |
| 844873 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 844885 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 844983 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.46 | 30.50 | Audit DTI within 2% of Lender DTI on 1008. Audit used lower income than on 1008. |
| 844983 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 844993 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.36 | 32.05 | Audit DTI matched 1008 |
| 844993 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 844993 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per sales price |
| 845258 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.16 | 22.69 | Audit matches Lender 1008 |
| 845258 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 845385 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.56 | 31.76 | Audit matches final 1008 |
| 845385 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 845385 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 66.04 | 66.54 | Audit LTV matches lender's LTV per 1008 |
| 845508 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.64 | 6.34 | Audit matches Lender 1008 |
| 845549 | xxxxxx | xxxxxx | Subject Property Gross Rental income | businessPurposePage | 1900 | 0 | Confirmed with 1007 |
| 845549 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 Initial |
| 845549 | xxxxxx | xxxxxx | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | per 1003 |
| 845549 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per 1003 |
| 845549 | xxxxxx | xxxxxx | Borrower 1 Years in Current Home | the1003Page | 8.17 | 98 | Per final 1003. |
| 845549 | xxxxxx | xxxxxx | Amount of Other Lien | titlePage | 0 | xxxxxx | no other liens on the property. |
| 845563 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 2.049 | 1.7586 | Variance due to Lender using unknown rental income |
| 845569 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 3.69 | 6.00 | Assets are short |
| 845569 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 845751 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.2 | 27.47 | In line with 1008 |
| 845817 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.624 | 0.8566 | Audit used lower market rent per guides. |
| 845844 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 845847 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.02 | 34.52 | Lender used lower than documented taxes |
| 845847 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 845848 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.97 | 43.78 | Audit matches 1008 |
| 845848 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.57 | 80.00 | Per 1008 |
| 845848 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 79.57 | 80.00 | Per 1008 |
| 846303 | xxxxxx | xxxxxx | Borrower 1 Citizen | the1003Page | Permanent Resident Alien | US Citizen | per PR card |
| 846303 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Audit value per credit report and 1003. |
| 846303 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per PR card |
| 846320 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 742 | 740 | per credit report |
| 846320 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 846391 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.804 | 0.730963428072285 | Lender used a lower market rent figure |
| 846391 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 846638 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 846710 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 846710 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.625 | 7.8750 | Per Note |
| 846710 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 846710 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.29 | 75.00 | Per Appraisal |
| 846710 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 74.29 | 75.00 | Per Appraisal |
| 846710 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 846790 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.09 | 32.76 | Audit DTI matches lenders per 1008 |
| 846831 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 846902 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846902 | xxxxxx | xxxxxx | HOA Flag | propertyValuationPage | No | Y | No HOA per appraisal and 1008. |
| 846918 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 846918 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 846918 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 846959 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 846959 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 846959 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 846973 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 790 | 802 | Per credit report |
| 846973 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.27 | 37.00 | audit DTI match the 1008 |
| 847048 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847048 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per 1008 |
| 847070 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | subject primary refi |
| 847086 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 740 | 723 | Lowest Mid-Score per Credit Report |
| 847086 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847086 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 79.88 | 80.00 | Per Appraisal |
| 847086 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847099 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.64 | 49.20 | Audit DTI matches to 1008 from lender |
| 847315 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 711 | 771 | per credit report |
| 847363 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 770 | 811 | Per Credit. |
| 847363 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.25 | 26.00 | Audit matches Lender 1008 |
| 847363 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 847462 | xxxxxx | xxxxxx | Occupancy | the1003Page | Primary Residence | Investment | Per 1003 in file. |
| 847466 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.36 | 42.12 | Lender double counted taxes/ins on primary home |
| 847508 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | 24 | Per Note |
| 847547 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847547 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per Purchase Contract and Addendum |
| 847547 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 90 | 86.09 | loan amount/sales price |
| 847547 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 90 | 86.09 | loan amount/sales price |
| 847551 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 847551 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 847551 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 17920.00 | Tape discloses base wages. No other income disclosed |
| 847563 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 52.98 | 48.00 | Per the asset documents in the file. |
| 847563 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Per 1003 and approval Primary residence |
| 847563 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal |
| 847640 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.77 | 14.22 | audit in line with 1008 |
| 847640 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847677 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 847715 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 847726 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.59 | 14.27 | Audit included all REO into DTI |
| 847788 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.25 | 45.86 | Total debts/ Total income |
| 847788 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 847858 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003. |
| 847858 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 847858 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Final 1003. |
| 847886 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.75 | 7.5000 | Per Note |
| 847886 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 847891 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 847927 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 4.67 | 9.68 | lender did not exclude from DTI the mtg pmt from pending sale current |
| 847931 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.52 | 32.26 | Audit used full PITIA for subject as no offset was found in file. |
| 847931 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 847931 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 847947 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 847947 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 847947 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847966 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50 | 28.00 | Audit DTI matches Lender DTI on approval |
| 847966 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 847966 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 82.06 | 82.43 | Loan Amount/Appraised Value |
| 847966 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 847966 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 82.06 | 82.43 | Loan Amount/Appraised Value |
| 847982 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.15 | 41.61 | Audit DTI matches Lender DTI on 1008 |
| 848033 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 848125 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.5 | 46.81 | Matches lenders 1008 |
| 848175 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.88 | 50.00 | Audit matches 1008 |
| 848198 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.29 | 49.04 | Lender counted Departure Residence that was Sold in DTI |
| 848198 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 848213 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.45 | 34.68 | Audit DTI within 2% of Lender DTI on 1008 |
| 848267 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per cd |
| 848267 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per cd |
| 848295 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.19 | 8.98 | True DTI in line with file 1008 |
| 848328 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.5 | 8.6250 | Per Note |
| 848329 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.06 | 48.41 | Audit DTI within 2% of Lender DTI on 1008 |
| 848329 | xxxxxx | xxxxxx | Interest Rate | notePage | 7 | 7.2500 | Per Note |
| 848341 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 848341 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 848341 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 65.72 | 68.61 | Audit in line with 1008 and docs provided |
| 848344 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 848486 | xxxxxx | xxxxxx | Borrower 1 Years in Current Home | the1003Page | 1.83 | 22 | Per final 1003 |
| 848538 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title and appraisal |
| 848627 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal. |
| 848745 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| 848747 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.81 | 49.13 | Audit DTI within 2% of Lender DTI on 1008 |
| 848750 | xxxxxx | xxxxxx | Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 848750 | xxxxxx | xxxxxx | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 3.08 | 36 | Per 1003 |
| 848799 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.19 | 35.00 | Audit DTI in-line with Lender 1008. |
| 848817 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 105232.93 | 116372.98 | per bank statements |
| 848817 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 2.48 | 6.00 | per bank statements |
| 848834 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 848834 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 848893 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per PUD Rider |
| 848903 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.48 | 47.24 | Audit DTI is within 2% of the 1008 |
| 849002 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 849018 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 849018 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal and 1008 |
| 849018 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 80 | 79.95 | Per 1008 |
| 849018 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 80 | 79.95 | Per 1008 |
| 849050 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 849145 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.33 | 13.18 | Audit DTI within 2% of Lender DTI on 1008 |
| 849217 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.51 | 49.08 | DTI Matches lender's 1008 |
| 849218 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.22 | 33.57 | Audit DTI matches Lender DTI on 1008 |
| 849257 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.1 | 9.40 | Audit matches 1008 |
| 849257 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 849286 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.44 | 48.00 | Audit within 2% of the 1008 |
| 849305 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 849308 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per cd |
| 849327 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 849556 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.29 | 22.28 | inclusion of child support |
| 849556 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and title |
| 849600 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.68 | 33.93 | per 1008 |
| 849600 | xxxxxx | xxxxxx | Lien Position | TitlePage | 2 | 1 | Per 1008 and Note. |
| 849601 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 61.63 | 18.98 | per 1008 |
| 849601 | xxxxxx | xxxxxx | Lien Position | TitlePage | 2 | 1 | Per 1008 |
| 849667 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.63 | 49.86 | Audit within 2% of the 1008 |
| 849737 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Final CD |
| 849738 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 849738 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 849916 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.45 | 38.10 | Audit matches loan approval |
| 849916 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 850071 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| 850075 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 850075 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.6 | 78.97 | Audit value matches lender. |
| 850075 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 29.33 | 30.32 | Audit value matches lender. |
| 850075 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal. |
| 850075 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | per final 1003 |
| 850126 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Note |
| 850126 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.68 | 4.38 | Audit DTI within 2% of Lender DTI on 1008. |
| 850129 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 850161 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| 850161 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per CD |
| 850264 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.98 | 35.15 | Audit's DTI matches lender's per 1008 |
| 850264 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850266 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per DOT & Appraisal |
| 850517 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Application |
| 850517 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Application |
| 850620 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850620 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850621 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.59 | 44.87 | Audit finds Lender used less income than available |
| 850621 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850625 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per final CD |
| 850625 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850632 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850632 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | OwnerOccupied | per approval |
| 850635 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850635 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 46.87 | 47.83 | Final LTV/CLTV based on loan amount / AVM value |
| 850635 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 21.14 | 21.58 | Final LTV/CLTV based on loan amount / AVM value |
| 850635 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | per AVM value |
| 850635 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo questionnaire and docs in file. |
| 850639 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850639 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 13.61 | 13.60 | True Data value DTI match 1008 |
| 850641 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 850642 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.3 | 43.95 | Tape source unknown |
| 850642 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850642 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1003 |
| 850644 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850644 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | condo is warrantable per lender notes and Audit review. |
| 850645 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 850645 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850647 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850648 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850649 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.82 | 8.28 | First lien P&I payment not included |
| 850649 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850803 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 74.99 | 75.00 | Rounding issue |
| 850803 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per final CD |
| 850803 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.99 | 75.00 | Rounding issue |
| 850977 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.23 | 34.35 | audit DTI match the 1008 |
| 850981 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 850981 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 850981 | xxxxxx | xxxxxx | Property State | notePage | xxxxxx | xxxxxx | Per Note |
| 850981 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 851327 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | per appraisal |
| 851327 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 80 | 79.94 | Loan Amount/Purchase Price |
| 851327 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 80 | 79.94 | Loan Amount/Purchase Price |
| 851327 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per CD |
| 851483 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 851483 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 2000011128 | xxxxxx | xxxxxx | Borrower 2 Origination Experian | creditLiabilitiesPage | 810 | 767 | per credit report |
| 2000011128 | xxxxxx | xxxxxx | Borrower 2 Origination TransUnion | creditLiabilitiesPage | 767 | 810 | per credit report |
| 2000011128 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 2000011201 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 2000011312 | xxxxxx | xxxxxx | Borrower 1 Ethnicity - Not Hispanic or Latino | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 2000011330 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal. |
| 2000011347 | xxxxxx | xxxxxx | Loan Originator Name | notePage | xxxxxx | xxxxxx | Per Note |
| 2000011347 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Passport |
| 2000011394 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| 2000011394 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per passport |
| 2000011394 | xxxxxx | xxxxxx | Borrower 1 Race - I do not wish to provide this information | the1003Page | xxxxxx | xxxxxx | Per final 1003 in file. |
| 2000011395 | xxxxxx | xxxxxx | Loan Originator Name | notePage | xxxxxx | xxxxxx | Per Note |
| 2000011495 | xxxxxx | xxxxxx | Loan Originator Name | notePage | xxxxxx | xxxxxx | Per Note |
|  |  |  |  |  |  | xxxxxx |  |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**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?** |
| 817559 | 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 |
| 823412 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3498.03 | 9.312 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7066.31 | Yes | Employed |  | No |  | No |  |
| 830923 | 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 |
| 835269 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 836721 | 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 |
| 836915 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 837089 | 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 | 2655 | 7.953 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20802.74 | Yes | Employed |  | No |  | No |  |
| 837161 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 153437.52 | Yes | Employed |  | No |  | Yes | Present |
| 837618 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A | 10661.54 | Yes | Employed |  | No |  | Yes | Present |
| 837820 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 837866 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6345 | 8.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 53472.15 | Yes | Employed |  | No |  | No |  |
| 838381 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 838638 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 838799 | 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 |
| 839351 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 839473 | 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 |
| 839501 | 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 | 4199 | 8.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5866.64 | N/A | Employed |  | No |  | No |  |
| 839663 | 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 | 9377.5 | 9.711 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27119.49 | N/A | Employed |  | No |  | No |  |
| 840048 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 840588 | 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 |
| 840628 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9161.68 | 9.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 165707.88 | Yes | Employed |  | No |  | No |  |
| 840668 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 840918 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841247 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841541 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841580 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841685 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 841857 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2988.25 | 8.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2911.35 | Yes | Employed |  | No |  | No |  |
| 842079 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842191 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 842201 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: 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 |
| 842214 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842218 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842220 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842221 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842223 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842224 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842232 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842236 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842238 | 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 |
| 842242 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842244 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 842251 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842254 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842255 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842273 | 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 |
| 842280 | 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 |
| 842284 | 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 |
| 842285 | 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 |
| 842495 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 842501 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 842523 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842621 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842636 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842683 | 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 |
| 842796 | 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 | 7048.22 | 9.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3715.61 | Yes | Employed |  | No |  | No |  |
| 842810 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 843037 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 843577 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 843589 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 843592 | 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 |
| 843594 | 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 |
| 843625 | 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 | 7776.7 | 8.816 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3386.69 | Yes | Employed |  | No |  | No |  |
| 843729 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 843765 | 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 |
| 843771 | 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 |
| 843824 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10640 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 41055.24 | Yes | Employed |  | No |  | No |  |
| 843867 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 843869 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 843907 | 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 |
| 843917 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8411 | 8.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28706.97 | N/A | Employed |  | No |  | No |  |
| 843954 | 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 |
| 843977 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 844036 | 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 | 6439.85 | 9.018 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4538.98 | Yes | Employed | Employed | No | No | No |  |
| 844051 | 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 | 2315 | 8.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38351.37 | N/A | Employed | Employed | No | No | No |  |
| 844107 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844111 | 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 | 8930.69 | 8.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18107.1 | Yes | Employed | Employed | No | No | No |  |
| 844115 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | Yes | Yes | Yes | No | No | Yes | No | No | No | No | No | 1790 | 9.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12002.28 | Yes | Employed |  | No |  | No |  |
| 844136 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844208 | 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 | 995 | 10.243 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24925.8 | Yes | Employed |  | No |  | No |  |
| 844239 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844244 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844349 | 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 |
| 844404 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844526 | 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 | 45043.68 | N/A | Employed |  | No |  | Yes | Present |
| 844546 | 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 |
| 844617 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 844668 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 844762 | 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 | 4379.4 | 9.318 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6783.18 | Yes | Employed | Employed | No | No | No |  |
| 844834 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844873 | 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 | 5800.97 | 8.116 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5124.22 | N/A | Employed | Employed | No | No | No |  |
| 844885 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844886 | xxxxxx | xxxxxx | 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 | 7.791 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 16040.55 | N/A | Not Employed | Employed | No | No | No |  |
| 844899 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10775 | 7.544 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26488.8 | N/A | Employed | Employed | No | No | No |  |
| 844906 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844979 | 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 |
| 844983 | 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 | 6336.59 | 9.636 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6374.82 | Yes | Employed |  | No |  | No |  |
| 844993 | xxxxxx | xxxxxx | 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 | 7.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 23887.95 | N/A | Employed | Not Employed | No | No | No |  |
| 845206 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21075 | 7.294 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27823.19 | Yes | Employed |  | No |  | No |  |
| 845230 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845258 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 39146.88 | 7.385 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60873.49 | Yes | Employed |  | No |  | No |  |
| 845274 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845385 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2912.25 | 8.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3172.86 | Yes | Not Employed |  | No |  | No |  |
| 845435 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845508 | 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 | 7456.5 | 9.667 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | No | Yes | Yes | 24108.89 | N/A | Employed | Not Employed | No | No | No |  |
| 845549 | 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 |
| 845552 | 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 |
| 845563 | 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 |
| 845566 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845569 | 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 |
| 845570 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845579 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 845581 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845728 | 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 | 7754.48 | 8.772 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18817.95 | N/A | Employed |  | No |  | No |  |
| 845738 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 845740 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845751 | 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 | 4483.1 | 9.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16566.14 | N/A | Employed |  | No |  | No |  |
| 845772 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 845775 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 845807 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 845810 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 845817 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845825 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845844 | 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 | 10525.44 | 8.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17874.03 | N/A | Employed |  | No |  | No |  |
| 845845 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 845847 | 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 | 6434.06 | 7.702 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4093.99 | Yes | Employed |  | No |  | No |  |
| 845848 | 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 | 7567.03 | 8.526 | Yes | Yes | N/A | Yes | Yes | No | Yes | Yes | Yes | Yes | 8606.32 | Yes | Employed | Employed | No | No | No |  |
| 846155 | 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 | 3181.88 | 7.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11725.23 | Yes | Employed |  | No |  | No |  |
| 846251 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846303 | 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 | 7.279 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11225.67 | N/A | Employed |  | No |  | No |  |
| 846320 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3279.75 | 7.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18225.74 | Yes | Employed |  | No |  | No |  |
| 846334 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846391 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846423 | 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 | 15304.07 | 9.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21575.07 | Yes | Employed |  | No |  | No |  |
| 846485 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4985 | 8.608 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8622.79 | Yes | Employed | Employed | No | No | No |  |
| 846528 | 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 | 9469.35 | 7.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7490.47 | N/A | Employed |  | No |  | No |  |
| 846638 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| 846672 | 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 | 6640 | 7.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9491.37 | N/A | Employed |  | No |  | No |  |
| 846710 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846759 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3687.5 | 6.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28276.97 | N/A | Employed |  | No |  | No |  |
| 846790 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14374.61 | N/A | Employed |  | No |  | Yes | Present |
| 846817 | 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 | 52364.6 | 7.31 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55758.68 | Yes | Employed |  | No |  | No |  |
| 846831 | 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 |
| 846861 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3501.2 | 8.066 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15054.65 | N/A | Employed |  | No |  | No |  |
| 846902 | 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 | 9905.88 | 9.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 59791.58 | Yes | Employed |  | No |  | No |  |
| 846910 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3505 | 8.079 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8183.19 | N/A | Employed | Employed | No | No | No |  |
| 846918 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10685 | 7.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8325.42 | Yes | Employed |  | No |  | No |  |
| 846959 | 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 | 13050 | 8.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17842.65 | Yes | Employed |  | No |  | No |  |
| 846973 | 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 | Yes | 29213.12 | Yes | Employed | Employed | No | No | Yes | Present |
| 847048 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3031.2 | 7.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10369.49 | Yes | Employed |  | No |  | No |  |
| 847065 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3529 | 8.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37213.18 | N/A | Employed |  | No |  | No |  |
| 847070 | xxxxxx | xxxxxx | 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 | 6.75 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15781.45 | N/A | Employed |  | No |  | No |  |
| 847077 | 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 | 9584 | 9.107 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14625.1 | Yes | Employed | Employed | No | No | No |  |
| 847086 | 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 | 2656.5 | 7.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 14712.94 | N/A | Not Employed | Employed | No | No | No |  |
| 847099 | 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 | 8295 | 9.772 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 15772.04 | Yes | Employed |  | No |  | No |  |
| 847158 | 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 | 7.292 | Yes | N/A | N/A | Yes | Yes | No | N/A | Yes | Yes | Yes | 26916.3 | Yes | Not Employed | Not Employed | No | No | No |  |
| 847162 | 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 | 1640 | 7.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3140.1 | Yes | Employed |  | No |  | No |  |
| 847165 | 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 | 7.876 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8146 | Yes | Employed | Employed | No | No | No |  |
| 847188 | 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 | 1640 | 8.484 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9506.89 | Yes | Employed | Employed | No | No | No |  |
| 847189 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3202.2 | 10.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7551.45 | N/A | Employed | Employed | No | No | No |  |
| 847214 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8330 | 7.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5355.66 | N/A | Employed |  | No |  | No |  |
| 847315 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19871.72 | 7.176 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 210511.66 | Yes | Employed |  | No |  | No |  |
| 847329 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847363 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | 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 | 5160.19 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 847462 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26175 | 6.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 114996.03 | Yes | Employed |  | No |  | No |  |
| 847466 | 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 | 22880.16 | Yes | Employed | Employed | No | No | Yes | Present |
| 847491 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21605 | 7.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20030.92 | Yes | Employed |  | No |  | No |  |
| 847504 | 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 | 2620 | 7.584 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6750.95 | N/A | Employed |  | No |  | No |  |
| 847508 | 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 | 7805.45 | Yes | Employed |  | No |  | Yes | Present |
| 847528 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14478.12 | 7.529 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14898.8 | Yes | Employed | Employed | No | No | No |  |
| 847547 | 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 | 10683.35 | 8.31 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15802.22 | N/A | Employed |  | No |  | No |  |
| 847551 | 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 | 11480 | 8.249 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10828.03 | Yes | Employed |  | No |  | No |  |
| 847563 | 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 | 4691.63 | 7.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4363.18 | Yes | Employed |  | No |  | No |  |
| 847604 | 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 | 2230 | 7.285 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9438.34 | Yes | Employed |  | No |  | No |  |
| 847640 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4589.35 | 7.427 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 93709.97 | Yes | Employed |  | No |  | No |  |
| 847677 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2590 | 6.91 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24895.68 | N/A | Employed |  | No |  | No |  |
| 847688 | 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 | 5205 | 11.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21059.62 | Yes | Employed | Employed | No | No | No |  |
| 847713 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1735 | 7.8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22544.94 | Yes | Employed |  | No |  | No |  |
| 847715 | 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 | 12362.5 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23489.16 | Yes | Employed |  | No |  | No |  |
| 847717 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11720 | 8.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56572.6 | N/A | Employed |  | No |  | No |  |
| 847726 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 66550 | 7.319 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 177117.12 | Yes | Employed |  | No |  | No |  |
| 847788 | 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 | 1640 | 7.399 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18778.26 | Yes | Employed |  | No |  | No |  |
| 847840 | 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 | 9230 | 6.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13201.37 | Yes | Employed |  | No |  | No |  |
| 847858 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10465 | 6.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8257.65 | Yes | Employed |  | No |  | No |  |
| 847880 | 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 | 2600 | 7.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6893.22 | Yes | Employed |  | No |  | No |  |
| 847886 | 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 | 12062.5 | 6.932 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4493.97 | Yes | Employed |  | No |  | No |  |
| 847889 | 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 | 18889.8 | 7.099 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 8111.82 | N/A | Not Employed |  | No |  | No |  |
| 847891 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12375 | 7.459 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 6587.5 | Yes | Employed | Employed | No | No | No |  |
| 847927 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22088.45 | 8.719 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 272123.47 | N/A | Employed |  | No |  | No |  |
| 847931 | 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 | 10403.17 | N/A | Employed | Employed | No | No | Yes | Present |
| 847945 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2465 | 7.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 1013808.91 | Yes | Not Employed | Employed | No | No | No |  |
| 847947 | 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 | 10587.83 | Yes | Employed |  | No |  | Yes | Present |
| 847966 | 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 | 2310 | 7.312 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5578.01 | Yes | Employed |  | No |  | No |  |
| 847969 | 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 | 6533.35 | 8.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13263.04 | Yes | Employed |  | No |  | No |  |
| 847980 | 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 | 15770.8 | 8.365 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16329.31 | Yes | Employed |  | No |  | No |  |
| 847982 | 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 | 14171 | 9.025 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29118.01 | Yes | Employed |  | No |  | No |  |
| 848014 | 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 | 7010 | 10.457 | Yes | N/A | N/A | N/A | Yes | Yes | N/A | Yes | Yes | Yes | 6612.09 | N/A | Employed |  | No |  | No |  |
| 848033 | 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 | 14764.38 | 7.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 76882.92 | Yes | Employed |  | No |  | No |  |
| 848116 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14875 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11338.81 | Yes | Employed |  | No |  | No |  |
| 848125 | 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 | 4487.45 | 7.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4847.53 | N/A | Employed |  | No |  | No |  |
| 848175 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5420 | 7.233 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3397.51 | N/A | Employed |  | No |  | No |  |
| 848198 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6370 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6320.37 | N/A | Employed |  | No |  | No |  |
| 848213 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5008.75 | 7.103 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15344.67 | N/A | Employed |  | No |  | No |  |
| 848267 | 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 | 15554 | Yes | Employed |  | No |  | Yes | Present |
| 848295 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33229.19 | Yes | Employed |  | No |  | Yes | Present |
| 848296 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 29520 | 7.053 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32970.69 | Yes | Employed |  | No |  | No |  |
| 848328 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5837.04 | 8.557 | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | Yes | 33823.4 | Yes | Employed |  | No |  | No |  |
| 848329 | 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 | 8072.62 | N/A | Employed |  | No |  | Yes | Present |
| 848341 | 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 | 13948 | 8.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 8406.56 | N/A | Employed |  | No |  | No |  |
| 848344 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17159 | 6.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 41777.78 | Yes | Employed |  | No |  | No |  |
| 848428 | 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 | 7252.75 | 8.114 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9936.07 | Yes | Employed |  | No |  | No |  |
| 848436 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1895 | 7.376 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20102.74 | Yes | Employed | Employed | No | No | No |  |
| 848466 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848467 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9462.5 | 7.176 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8051.99 | Yes | Employed |  | No |  | No |  |
| 848486 | 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 | 6.872 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10484.09 | Yes | Employed |  | No |  | No |  |
| 848538 | 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 | 8869 | 6.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6777.68 | Yes | Employed |  | No |  | No |  |
| 848627 | 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 | 23626.25 | 6.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26546.98 | N/A | Employed |  | No |  | No |  |
| 848694 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8215 | 7.173 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8512.57 | Yes | Employed |  | No |  | No |  |
| 848707 | 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 | 16115 | 7.953 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 113329.89 | Yes | Employed |  | No |  | No |  |
| 848714 | 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 | 12640.63 | 7.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10299.19 | Yes | Employed |  | No |  | No |  |
| 848745 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6065 | 6.982 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5322.57 | Yes | Employed |  | No |  | No |  |
| 848747 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 41885.25 | Yes | Employed | Employed | No | No | Yes | Present |
| 848750 | 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 | 12512.5 | 6.974 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7684.18 | Yes | Employed |  | No |  | No |  |
| 848764 | 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 | 5550 | 7.332 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6015.35 | Yes | Employed |  | No |  | No |  |
| 848780 | 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 | 3227.3 | 6.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15386.8 | Yes | Not Employed | Employed | No | No | No |  |
| 848782 | 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 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10041.47 | Yes | Employed | Employed | No | No | No |  |
| 848799 | xxxxxx | xxxxxx | 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 | 7.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22423.04 | N/A | Employed | Employed | No | No | No |  |
| 848817 | 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 | 12115 | 6.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4257.56 | Yes | Employed |  | No |  | No |  |
| 848834 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10731.25 | 6.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9329.82 | N/A | Employed |  | No |  | No |  |
| 848861 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14815 | 7.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 119126.63 | Yes | Employed |  | No |  | No |  |
| 848893 | 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 | 9390 | 9.265 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5882.86 | Yes | Employed |  | No |  | No |  |
| 848896 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16850 | 6.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 106471.78 | Yes | Employed | Employed | No | No | No |  |
| 848903 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14758.57 | N/A | Employed |  | No |  | Yes | Present |
| 848991 | 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 | 11404.2 | 6.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10770.8 | Yes | Employed |  | No |  | No |  |
| 848996 | 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 | 6.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18878.29 | N/A | Employed |  | No |  | No |  |
| 849002 | 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 | 16907.87 | N/A | Employed | Employed | No | No | Yes | Present |
| 849018 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2225 | 7.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 40323.08 | N/A | Employed |  | No |  | No |  |
| 849050 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 0 | 6.76 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 17460.96 | Yes | Employed |  | No |  | No |  |
| 849145 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25247.24 | 7.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46447.34 | Yes | Employed |  | No |  | No |  |
| 849179 | 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 | 32340.18 | Yes | Employed |  | No |  | Yes | Present |
| 849217 | 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 | 5591.75 | 8.008 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 7275.9 | N/A | Employed |  | No |  | No |  |
| 849218 | 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 | 3865 | 8.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2839.2 | N/A | Employed |  | No |  | No |  |
| 849221 | 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 | 4599 | 7.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5119.92 | Yes | Employed |  | No |  | No |  |
| 849257 | 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 | 8.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36678.15 | N/A | Employed |  | No |  | No |  |
| 849286 | 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 | 21175 | 6.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25933.96 | Yes | Employed |  | No |  | No |  |
| 849305 | 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 | 11644 | 8.138 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5306.15 | N/A | Employed |  | No |  | No |  |
| 849308 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7415 | 7.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24939.38 | N/A | Employed | Employed | No | No | No |  |
| 849313 | 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 | 11195 | 8.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44505.15 | N/A | Employed |  | No |  | No |  |
| 849327 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Yes | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 20251 | 8.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11690.69 | Yes | Employed |  | No |  | No |  |
| 849348 | 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 | 4044 | 8.799 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3285.64 | Yes | Retired |  | No |  | No |  |
| 849428 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8520 | 7.62 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8221.57 | Yes | Employed |  | No |  | No |  |
| 849446 | 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 | 1790 | 7.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19229.53 | N/A | Employed | Not Employed | No | No | No |  |
| 849548 | 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 | 14701.02 | N/A | Employed |  | No |  | Yes | Present |
| 849556 | xxxxxx | xxxxxx | 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 | 6.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 22502.92 | Yes | Employed |  | No |  | No |  |
| 849600 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5050.88 | 8.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 79801.03 | N/A | Employed |  | No |  | No |  |
| 849601 | 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 | 4399 | 8.262 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 4130.11 | Yes | Employed |  | No |  | No |  |
| 849667 | 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 | 19185.34 | 9.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7747.22 | Yes | Employed |  | No |  | No |  |
| 849728 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7560 | 7.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7608.31 | N/A | Employed |  | No |  | No |  |
| 849737 | xxxxxx | xxxxxx | 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 | 7.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47407.02 | N/A | Employed |  | No |  | No |  |
| 849738 | 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 | 12126.25 | 7.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9466.14 | N/A | Employed |  | No |  | No |  |
| 849916 | 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 | 7.342 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 2499.61 | N/A | Employed |  | No |  | No |  |
| 849945 | 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 | 7.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45140.04 | N/A | Employed |  | No |  | No |  |
| 849987 | 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 | 17048 | 7.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22241.93 | Yes | Employed |  | No |  | No |  |
| 850014 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2120 | 7.164 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5671.5 | N/A | Employed |  | No |  | No |  |
| 850070 | xxxxxx | xxxxxx | 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 | 7.184 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7472.39 | N/A | Employed |  | No |  | No |  |
| 850071 | 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 | 7065 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5454.33 | N/A | Employed |  | No |  | No |  |
| 850074 | 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 | 2230 | 7.266 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 7889.86 | N/A | Employed | Employed | No | No | No |  |
| 850075 | 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 | 8.576 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11585.41 | N/A | Employed | Employed | No | No | No |  |
| 850111 | 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 | 2620 | 6.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16079.25 | Yes | Employed |  | No |  | No |  |
| 850123 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 85871.48 | N/A | Employed |  | No |  | Yes | Present |
| 850126 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40800.96 | N/A | Employed |  | No |  | Yes | Present |
| 850129 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21590 | 7.289 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15298.85 | N/A | Employed |  | No |  | No |  |
| 850156 | 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 | 8.033 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8129.3 | N/A | Employed |  | No |  | No |  |
| 850161 | 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 | 11173 | 6.934 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15050.23 | Yes | Employed |  | No |  | No |  |
| 850186 | 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 | 19647.34 | Yes | Employed |  | No |  | Yes | Present |
| 850264 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15490 | 7.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18940.86 | N/A | Employed |  | No |  | No |  |
| 850266 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15138.75 | 7.028 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 93375.24 | Yes | Employed |  | No |  | No |  |
| 850462 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11940 | 9.051 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 91233.21 | N/A | Employed |  | No |  | No |  |
| 850464 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 24830 | 7.238 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29804.37 | N/A | Employed | Not Employed | No | No | No |  |
| 850517 | 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 | 11191.25 | 6.722 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7669.67 | N/A | Employed |  | No |  | No |  |
| 850617 | 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 | 14380.25 | 10.783 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 51434.49 | Yes | Employed |  | No |  | No |  |
| 850620 | 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 | 17327.5 | 9.645 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19889.08 | N/A | Employed |  | No |  | No |  |
| 850621 | 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 | 11035 | 10.132 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10300.14 | Yes | Employed | Not Employed | No | No | No |  |
| 850623 | 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 | 42366.06 | Yes | Employed |  | No |  | Yes | Present |
| 850625 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10727.5 | 8.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 190136.68 | Yes | Employed | Not Employed | No | No | No |  |
| 850632 | 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 | 5120 | 9.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23349.96 | Yes | Employed |  | No |  | No |  |
| 850635 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3665 | 9.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8909.14 | N/A | Employed |  | No |  | No |  |
| 850639 | 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 | 3375.9 | 10.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11040.55 | Yes | Employed |  | No |  | No |  |
| 850641 | 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 | 11449.2 | 11.474 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17987.6 | Yes | Employed |  | No |  | No |  |
| 850642 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | Yes | 11005 | 10.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 23436.09 | Yes | Employed |  | No |  | No |  |
| 850644 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3903.75 | 9.416 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40262.34 | Yes | Employed | Not Employed | No | No | No |  |
| 850645 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10386 | 9.35 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18615.24 | Yes | Employed |  | No |  | No |  |
| 850647 | 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 | 11115 | 9.563 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8008.61 | Yes | Employed |  | No |  | No |  |
| 850648 | 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 | 51044 | Yes | Employed |  | No |  | Yes | Present |
| 850649 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15995 | 8.397 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 121643.24 | Yes | Employed |  | No |  | No |  |
| 850651 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17995 | 9.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63037.44 | Yes | Employed |  | No |  | No |  |
| 850742 | 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 | 2274.95 | 8.757 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2948.22 | Yes | Employed |  | No |  | No |  |
| 850803 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4933.15 | 6.934 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9587.9 | Yes | Employed |  | No |  | No |  |
| 850858 | 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 | 7.077 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9745.21 | N/A | Employed |  | No |  | No |  |
| 850960 | 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 | 5046 | 7.867 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4279.54 | N/A | Employed |  | No |  | No |  |
| 850977 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8815 | 7.323 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8570.07 | Yes | Employed |  | No |  | No |  |
| 850981 | 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 | 6.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6878.14 | Yes | Employed |  | No |  | No |  |
| 851005 | xxxxxx | xxxxxx | 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 | 7.028 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 100793.85 | Yes | Employed |  | No |  | No |  |
| 851327 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25329.34 | 7.49 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 101714.71 | Yes | Employed |  | No |  | No |  |
| 851483 | 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 | 5824.15 | Yes | Employed |  | No |  | Yes | Present |
| 2000011128 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8290 | 8.718 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 103564.68 | N/A | Employed | Not Employed | No | No | No |  |
| 2000011194 | 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 | 3520 | 9.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21970.12 | Yes | Employed |  | No |  | No |  |
| 2000011201 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1395 | 9.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12843.05 | N/A | Employed | Employed | No | No | No |  |
| 2000011312 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9645 | 9.391 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 129040.78 | N/A | Employed |  | No |  | No |  |
| 2000011330 | 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 | 12389.5 | 8.746 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32674.91 | N/A | Employed | Not Employed | No | No | No |  |
| 2000011347 | 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 | 6270 | 9.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4967.5 | Yes | Employed | Employed | No | No | No |  |
| 2000011360 | 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 | 2770 | 8.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18499.43 | Yes | Employed |  | No |  | No |  |
| 2000011380 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7355 | 9.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26164.98 | Yes | Employed | Not Employed | No | No | No |  |
| 2000011384 | 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 | 9717.73 | Yes | Employed |  | No |  | Yes | Present |
| 2000011392 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14817.5 | 7.777 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 32293.53 | Yes | Employed |  | No |  | No |  |
| 2000011394 | 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 | 9758.31 | 8.231 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 189450.98 | Yes | Employed |  | No |  | No |  |
| 2000011395 | 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 | 4718.2 | 9.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7096.32 | N/A | Employed |  | No |  | No |  |
| 2000011408 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8395 | 7.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14338.12 | Yes | Employed |  | No |  | No |  |
| 2000011449 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011495 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7380 | 7.691 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31637.48 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**Clarifii valuation report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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** |
| 817559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-08-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-13-2024 |
| 823412 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-08-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.86 | 74.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2024 |
| 830923 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 09-09-2025 |
| 835269 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.06 | 58.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-19-2025 |
| 836721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 03-10-2025 |
| 836915 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.87 | 67.87 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837089 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 04-02-2025 |
| 837161 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-09-2025 |
| 837618 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2025 |
| 837820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.74 | 64.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2025 | Eligible | 1 | 04-29-2025 |
| 837866 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 33.9 | 56.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 04-17-2025 |
| 838381 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 05-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-08-2025 |
| 838799 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2025 | Other |  |  | xxxxxx | 56.29 | 56.29 | xxxxxx | xxxxxx | .0131 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0131 | xxxxxx | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839351 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-23-2025 |
| 839473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.19 | 36.19 | xxxxxx | xxxxxx | -.0952 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0952 | xxxxxx | Moderate | 05-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 05-12-2025 |
| 839501 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.85 | 63.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-09-2025 |
| 839663 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-16-2025 | AVM |  |  | xxxxxx | 25.81 | 74.3 | xxxxxx | xxxxxx | .0169 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0169 | xxxxxx | 07-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840048 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840588 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.39 | 62.39 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840628 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.98 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-14-2025 | Eligible |  |  |
| 840668 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.62 | 61.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-27-2025 |
| 840918 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 |
| 841247 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.85 | 64.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 06-16-2025 |
| 841541 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841580 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.84 | 60.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-25-2025 |
| 841685 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-17-2025 | Other |  |  | xxxxxx | 58.33 | 58.33 | xxxxxx | xxxxxx | .0069 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0069 | xxxxxx | 07-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841857 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.23 | 48.76 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 |
| 842079 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 | Eligible | 1 | 07-16-2025 |
| 842191 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-28-2025 |
| 842201 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 78.95 | 78.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842214 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 06-04-2025 |
| 842218 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-19-2025 |
| 842220 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0210 | 90.0 | 0.1 | xxxxxx | iAVM | 05-14-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | A | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842221 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.4 | 72.4 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 |
| 842223 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-21-2025 |
| 842224 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-30-2025 |
| 842232 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | A | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842236 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.76 | 69.76 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-04-2025 |
| 842238 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 |
| 842242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-29-2025 |
| 842244 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-12-2025 |
| 842251 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 45.35 | 45.35 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-23-2025 |
| 842254 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-22-2025 |
| 842255 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 05-30-2025 |
| 842273 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-02-2025 |
| 842280 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-29-2025 |
| 842284 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842285 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-29-2025 |
| 842495 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-02-2025 |
| 842501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-14-2025 |
| 842523 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 07-24-2025 |
| 842621 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-08-2025 |
| 842636 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 62.07 | 62.07 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.48 | 64.48 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-30-2025 |
| 842796 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-29-2025 |
| 842810 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 |
| 843037 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.0 | 63.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 |
| 843577 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.62 | 61.62 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-16-2025 | Eligible |  |  |
| 843589 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2025 |
| 843592 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843594 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-30-2025 | Other |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .1550 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1550 | xxxxxx | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843625 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-02-2025 |
| 843729 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 07-18-2025 | Not Eligible | 1 | 07-18-2025 |
| 843765 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-12-2025 | Eligible | 1 | 08-12-2025 |
| 843771 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-07-2025 | Eligible | 1 | 08-07-2025 |
| 843824 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-11-2025 |
| 843867 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 63.95 | 63.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843869 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-09-2025 |
| 843907 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843917 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 843954 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.94 | 60.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 | Eligible | 1 | 08-05-2025 |
| 843977 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844036 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.41 | 48.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 |
| 844051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-22-2025 | Eligible | 2.3 | 05-22-2025 |
| 844107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844111 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 | Eligible | 1.7 | 08-15-2025 |
| 844115 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-10-2025 | Eligible | 2.1 | 07-10-2025 |
| 844136 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844208 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.16 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-08-2025 |  |  |  |  |  |  |  |  |  |  | 4.5 | 09-09-2025 | Not Eligible |  |  |
| 844239 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844244 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.0 | 63.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844349 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.69 | 54.69 | xxxxxx | xxxxxx | -.0680 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0680 | xxxxxx |  | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844404 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-08-2025 |
| 844526 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-13-2025 | Eligible | 1 | 08-13-2025 |
| 844546 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-24-2025 |
| 844617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |
| 844668 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 54.55 | 54.55 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2025 |
| 844762 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-16-2025 | AVM |  |  | xxxxxx | 15.39 | 70.54 | xxxxxx | xxxxxx | -.0239 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0239 | 93.0 | 0.07 | xxxxxx | Other | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844834 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 | Eligible |  |  |
| 844873 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 | Eligible | 1 | 08-25-2025 |
| 844885 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.99 | 63.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-20-2025 | Eligible | 1.4 | 05-20-2025 |
| 844886 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-09-2025 |
| 844899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-07-2025 | Eligible | 1 | 08-07-2025 |
| 844906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-29-2025 | Eligible | 1 | 07-29-2025 |
| 844979 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.66 | 62.66 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 844983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 |
| 844993 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-02-2025 |
| 845206 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-14-2025 |
| 845230 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845258 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-07-2025 |
| 845274 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845385 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.04 | 66.04 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 | Eligible | 1 | 08-19-2025 |
| 845435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 74.91 | 74.91 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 08-19-2025 |
| 845508 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 845549 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 845552 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845563 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845566 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-31-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845569 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845570 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845579 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845581 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845728 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-01-2025 | Eligible | 1.1 | 08-01-2025 |
| 845738 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 845740 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845751 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-14-2025 | Eligible | 1 | 08-14-2025 |
| 845772 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.17 | 59.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845775 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 08-19-2025 |
| 845807 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.94 | 55.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 08-14-2025 |
| 845810 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 43.14 | 43.14 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 | Eligible | 1.4 | 08-08-2025 |
| 845817 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0367 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0367 | 97.0 | 0.03 | xxxxxx | ClearAVM | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 845825 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.0 | 67.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 | Eligible | 1 | 08-08-2025 |
| 845844 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-23-2025 |
| 845845 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845847 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 08-29-2025 |
| 845848 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.57 | 79.57 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-19-2025 | Eligible | 1 | 08-19-2025 |
| 846155 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-14-2025 |
| 846251 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846303 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 08-19-2025 |
| 846320 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-08-2025 | Eligible | 1.3 | 09-08-2025 |
| 846334 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0968 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0968 | xxxxxx | Moderate | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846391 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846423 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-25-2025 | Eligible | 1 | 08-25-2025 |
| 846485 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.04 | 70.74 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 |
| 846528 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 08-27-2025 |
| 846638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-25-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 | Eligible | 1 | 08-08-2025 |
| 846672 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-20-2025 |
| 846710 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.29 | 74.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-19-2025 |
| 846759 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.61 | 79.61 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-08-2025 |
| 846790 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-02-2025 |
| 846817 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 | Eligible | 2.1 | 09-25-2025 |
| 846831 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0067 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0067 | 96.0 | 0.04 | xxxxxx | ClearAVM | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846861 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 08-20-2025 |
| 846902 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-08-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 4.99 | 69.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 12-30-2024 | Not Eligible |  |  |
| 846910 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.55 | 61.66 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-02-2025 |
| 846918 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.06 | 47.06 | xxxxxx | xxxxxx | .0251 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0251 | 94.0 | 0.06 | xxxxxx | ClearAVM | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-17-2025 |
| 846959 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-11-2025 |
| 846973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 62.81 | 62.81 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 | Eligible |  |  |
| 847048 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-10-2025 | Eligible | 1.2 | 09-10-2025 |
| 847065 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.11 | 48.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 847070 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.96 | 62.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 847077 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.87 | 65.53 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 09-05-2025 |
| 847086 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.88 | 79.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 847099 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-19-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2024 |
| 847158 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 09-10-2025 |
| 847162 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 847165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847188 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-13-2025 |
| 847189 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.69 | 79.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 09-02-2025 |
| 847214 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0521 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0521 | 95.0 | 0.05 | xxxxxx | ClearAVM | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 847315 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847329 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 847363 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847462 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0857 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0857 | xxxxxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 09-10-2025 |
| 847466 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847491 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 09-25-2025 |
| 847504 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-17-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847508 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.32 | 74.32 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847528 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 |
| 847547 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 09-29-2025 |
| 847551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1013 | 87.0 | 0.13 | xxxxxx | ClearAVM | 09-17-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847563 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | xxxxxx | -.0393 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0393 | 96.0 | 0.04 | xxxxxx | ClearAVM | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-02-2025 |
| 847604 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 |
| 847640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 08-28-2025 |
| 847677 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 76.8 | 76.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 847688 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 19.42 | 83.28 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 847713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-24-2025 |
| 847715 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.8 | 79.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 847717 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 53.02 | 74.9 | xxxxxx | xxxxxx | .0035 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0035 | xxxxxx | Moderate | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847788 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 09-18-2025 | Not Eligible | 1.2 | 09-18-2025 |
| 847840 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 847858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0196 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0196 | xxxxxx | Fair | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 08-29-2025 |
| 847880 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 69.77 | 69.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-05-2025 |
| 847886 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.86 | 54.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 08-14-2025 |
| 847889 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847891 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 | Eligible | 1 | 09-17-2025 |
| 847927 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 09-11-2025 |
| 847931 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-15-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-08-2025 | Eligible |  |  |
| 847945 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847947 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 | Eligible |  |  |
| 847966 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 82.06 | 82.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-15-2025 | Eligible | 1 | 09-15-2025 |
| 847969 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 |
| 847980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-08-2025 | Eligible |  |  |
| 847982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 848014 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.83 | 79.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848033 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-15-2025 |
| 848116 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0680 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0680 | xxxxxx | Moderate | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848125 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.2 | 73.2 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848175 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 41.38 | 41.38 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848198 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 |
| 848213 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 77.46 | 77.46 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848267 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 55.88 | 55.88 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848295 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 848296 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 848328 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 20.96 | 75.0 | xxxxxx | xxxxxx | .0115 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0115 | 93.0 | 0.07 | xxxxxx | ClearAVM | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.0 | 09-17-2025 | Eligible |  |  |
| 848329 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 848341 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.72 | 65.72 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848344 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 | Eligible |  |  |
| 848428 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.4 | 55.42 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 |
| 848436 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 |
| 848466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 |
| 848467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 |
| 848486 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.93 | 69.93 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-29-2025 |
| 848538 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 848627 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0115 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0115 | xxxxxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848694 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 848707 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 | Eligible | 1 | 09-12-2025 |
| 848714 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848745 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848747 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-18-2025 | Eligible | 2.5 | 09-18-2025 |
| 848750 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0952 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0952 | xxxxxx | Moderate | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 |
| 848764 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 34.04 | 68.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848780 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.3 | 77.3 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 | Eligible | 1 | 09-16-2025 |
| 848782 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-23-2025 | Eligible | 1.8 | 09-23-2025 |
| 848799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-17-2025 | Eligible | 1 | 09-17-2025 |
| 848817 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 848834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848861 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 | Eligible | 1 | 09-17-2025 |
| 848893 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 |
| 848896 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 45.75 | 45.75 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 10-01-2025 |
| 848903 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848991 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-01-2025 |
| 848996 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-21-2025 | Eligible |  |  |
| 849002 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 24.87 | 69.46 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849018 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 | Eligible | 4.3 | 10-06-2025 |
| 849050 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 76.37 | 76.37 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-09-2025 | Not Eligible | 1.4 | 09-08-2025 |
| 849145 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 09-26-2025 | Not Eligible | 1.4 | 09-26-2025 |
| 849179 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.83 | 64.89 | xxxxxx | xxxxxx | -.0323 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0323 | xxxxxx | Moderate | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 849217 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-02-2025 |
| 849218 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 71.43 | 71.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-24-2025 |
| 849221 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 22.32 | 60.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 09-16-2025 |
| 849257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-27-2025 | Eligible | 1 | 09-27-2025 |
| 849286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 09-30-2025 |
| 849305 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 33.8 | 65.03 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 849308 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 |
| 849313 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 08-21-2025 |
| 849327 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-23-2025 | Not Eligible | 2.5 | 09-23-2025 |
| 849348 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 18.8 | 54.2 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 849428 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-22-2025 |
| 849446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.84 | 71.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 | Eligible | 1 | 09-19-2025 |
| 849548 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 | Eligible |  |  |
| 849556 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 849600 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-10-2025 | AVM |  |  | xxxxxx | 33.93 | 79.68 | xxxxxx | xxxxxx | -.0390 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0390 | 93.0 | 0.07 | xxxxxx | Other | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849601 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-25-2025 | AVM |  |  | xxxxxx | 18.98 | 61.63 | xxxxxx | xxxxxx | .0361 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0361 | 90.0 | 0.1 | xxxxxx | CA Value AVM | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849667 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 10-09-2025 |
| 849728 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 78.6 | 78.6 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-27-2025 |
| 849737 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.73 | 71.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 |
| 849738 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849916 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 16.95 | 16.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 |
| 849945 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 10-01-2025 | Not Eligible | 1 | 10-01-2025 |
| 849987 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.38 | 78.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 | Eligible | 1 | 09-26-2025 |
| 850014 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 42.55 | 42.55 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850070 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 850071 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 850074 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.14 | 73.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2025 |
| 850075 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.33 | 79.6 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-05-2025 |
| 850111 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 09-02-2025 |
| 850123 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850126 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 09-03-2025 |
| 850129 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-31-2025 |
| 850156 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 850161 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 | Eligible |  |  |
| 850186 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-02-2025 |
| 850264 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 | Eligible |  |  |
| 850266 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 | Eligible | 1.6 | 10-07-2025 |
| 850462 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 10.92 | 65.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850464 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 09-29-2025 |
| 850517 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.29 | 54.29 | xxxxxx | xxxxxx | -.0050 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0050 | 97.0 | 0.03 | xxxxxx | ClearAVM | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 850617 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.13 | 79.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850620 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 30.72 | 58.47 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 05-19-2025 |
| 850621 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-29-2025 | AVM |  |  | xxxxxx | 14.24 | 41.99 | xxxxxx | xxxxxx | -.0981 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0981 | 88.0 | 0.12 | xxxxxx | Other | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850623 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 22.73 | 56.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850625 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.89 | 32.66 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 08-21-2025 |
| 850632 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 18.75 | 68.08 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 09-04-2025 |
| 850635 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-08-2025 | AVM |  |  | xxxxxx | 21.14 | 46.87 | xxxxxx | xxxxxx | .0426 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0426 | 88.0 | 0.12 | xxxxxx | Other | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850639 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.61 | 73.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-28-2025 |
| 850641 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.31 | 62.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-15-2025 |
| 850642 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.12 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 07-31-2025 |
| 850644 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 23.4 | 74.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 | Eligible | 1 | 09-11-2025 |
| 850645 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 35.71 | 67.28 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-06-2025 |
| 850647 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.36 | 66.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 09-06-2025 |
| 850648 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-01-2025 | AVM |  |  | xxxxxx | 19.88 | 79.82 | xxxxxx | xxxxxx | -.0280 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0280 | 89.0 | 0.11 | xxxxxx | Other | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850649 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 32.61 | 64.95 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-12-2025 | Eligible |  |  |
| 850651 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.31 | 69.92 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 850742 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 850803 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 850858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-06-2025 |
| 850960 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 850977 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-17-2025 |
| 850981 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.13 | 47.13 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 851005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851327 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 10-08-2025 | Not Eligible | 1.3 | 10-08-2025 |
| 851483 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 2000011128 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 10.29 | 74.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 05-27-2025 |
| 2000011194 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.94 | 59.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 06-25-2025 |
| 2000011201 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.49 | 66.35 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 06-26-2025 |
| 2000011312 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.41 | 70.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011330 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 42.94 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 08-06-2025 |
| 2000011347 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 08-06-2025 |
| 2000011360 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 12.5 | 56.48 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 08-29-2025 |
| 2000011380 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.79 | 79.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-09-2025 |
| 2000011384 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 38.46 | 58.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011392 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 69.41 | 69.41 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011394 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 08-25-2025 |
| 2000011395 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 10.88 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-05-2025 |
| 2000011408 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.77 | 56.19 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 09-15-2025 |
| 2000011449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | Other |  |  | xxxxxx | 61.52 | 61.52 | xxxxxx | xxxxxx | .0797 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0797 | x | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011495 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 27.15 | 52.58 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 10-02-2025 |

---

## Exhibit 99.22

**EXHIBIT 99.22**

<br> **DIGITAL RISK, LLC ("DIGITAL RISK") EXECUTIVE SUMMARY** 

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, VMC Asset Pooler, LLC. The review included a total of 84 newly originated residential mortgage loans, in connection with the securitization identified as Verus 2025-12 (the "Securitization"). The review began on March 4, 2025, and concluded on September 30, 2025.

The third-party due diligence services are intended to generally comply with currently known rating agency criteria for newly originated mortgage loans.

---

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

---

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

a. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application,
final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date,

b. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions
have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of DSCR or qualification method and LTV calculations

c. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy Red Flags adequately addressed

d. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable credit history and credit score requirements in conformance with applicable guidelines

e. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

f. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

g. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DSCR and any required upfront premium is paid

h. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

i. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

**Compliance Review**

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

a. Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026,
as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise to the right of rescission under
TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments,
the payment schedule, the HOEPA disclosures;

b. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

c. Business Purpose Loan Compliance Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 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;iii. Verify executed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Letter (must state that borrower(s) will not reside in the property for more than 14 days on
any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State Predatory lending and high cost when applicable

d. <u>Exclusions</u>. Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

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

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

a. <u>Review Appraisal</u> 

b. Digital Risk's review will include a review of the valuation materials utilized during the origination
of the loan and in confirming the value of the underlying property. Digital Risk's review will include verifying the appraisal report:

c. On the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. 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, or if the appraisal was performed for another lender, the file contains evidence
that Client approved use of that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The original appraisal report is made and signed prior to the final approval of the closing of the loan.
Any revisions, if made known to Digital Risk, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The original appraisal is 'As is' or Inspection received 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation
product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive value, Digital Risk will review
third-party products in the file to ensure the correct value was applied per Client Guidelines

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Other aspects of Digital Risk's review include (i) verifying that the address matched the mortgage
note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying
the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal
notes the current use of the property is legal or legal non-conforming (grandfathered), (v) 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 if there are negative external factors, there is support in the loan file of the Client's approval
to waive the factor; and (vi) confirming that the value product that was used as part of the origination decision conforms with rating
agency requirements.

d. If more than one valuation was provided, Digital Risk will confirm consistency among the valuation products
and if there are discrepancies that could not be resolved, Digital Risk will create an exception and work 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 Digital Risk's review result in a variance of more than 10%
then the client will be notified of such variance.

e. Digital Risk will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser
both satisfied the requirements of Title XI of FIRREA. Specifically, Digital Risk will review the appraisal for conformity to industry
standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were documented and that pictures
were provided and were accurate.

f. In addition, Digital Risk will access 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.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.95% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.19% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;52 | &nbsp;&nbsp;61.90% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.53% |
| &nbsp;&nbsp;Origination PITIA | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;27 | &nbsp;&nbsp;32.14% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;32 | &nbsp;&nbsp;38.10% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount (or Original IO payment) | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.19% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;44 | &nbsp;&nbsp;$15077719.00 | &nbsp;&nbsp;52.38% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;40 | &nbsp;&nbsp;$17126219.00 | &nbsp;&nbsp;47.62% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;84 | &nbsp;&nbsp;$32203938.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;60 | &nbsp;&nbsp;$22681838.00 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;24 | &nbsp;&nbsp;$9522100.00 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;84 | &nbsp;&nbsp;$32203938.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;62 | &nbsp;&nbsp;$22145232.00 | &nbsp;&nbsp;73.81% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;22 | &nbsp;&nbsp;$10058706.00 | &nbsp;&nbsp;26.19% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;84 | &nbsp;&nbsp;$32203938.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;84 | &nbsp;&nbsp;$32203938.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;84 | &nbsp;&nbsp;$32203938.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.23

**EXHIBIT 99.23**

**DIGITAL RISK EXCEPTION REPORT**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Compensating Factors** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| xxxxxx | 833976 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Open) Note - Incomplete- <br>The following section of the Note is incomplete: The loan agreement was not signed by the lender.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833977 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Open) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833979 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Security Instrument - Inaccurate- <br>The security instrument was not completed accurately. The Notary date is xxxxxx and the borrower hand dated the mortgage as xxxxxx.<br>Response 1 (04/10/2025 1:24PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 833980 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Open) DSCR - Program Parameters - Other- <br>The lender provided an exception to allow for a 30% gift of equity. Considered non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  | Compensating factors: 802 FICO, 43 mos reserves | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xxxxxx | 833981 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Open) DSCR - Program Parameters - Other- <br>The lender provided an exception to allow for a 30% gift of equity. Considered non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  | Compensating factors: 802 FICO, 42 mos reserves | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xxxxxx | 833982 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Open) DSCR - Program Parameters - Other- <br>The lender provided an exception to allow for a 30% gift of equity. Considered non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided dated xxxxxx and supports original appraised value.<br>**  | Compensating factors: 802 FICO, 42 mos reserves | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xxxxxx | 833983 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (04/10/2025 10:53AM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 833984 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The loan agreement was not signed by the lender.<br>Response 1 (04/01/2025 4:00PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>The loan file is missing the Business Purpose Affidavit. Additional conditions may apply.<br>Response 1 (04/02/2025 8:33AM)<br> Documentation received is sufficient. (Resolved)<br>(Open) DSCR - Program Parameters - Other- <br>Lender Exception provided for "2nd mortgage payment being paid in cash." Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  | Compensating Factors: Fico is 40 points greater than min FICO score, experienced investor assets exceed required reserves by 6 months | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 833985 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) (Waived)<br>**  | **(Open) Program Parameters - Other- <br>Lender Exception provided to "accept transferred appraisal "As Is"." (U/W requesting project info be corrected to match with Questionnaire). Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  | Compensating factors: Excess reserves $82K, FICO 788, Residual income $4,402.69 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833986 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) Borrower - Residency Alien Documentation- <br>The borrower indicates Permanent Resident Alien status, however, the file contains no evidence documenting status as legally. The loan file obtains the borrower's driver license; however, no other identification as required per Lender's guides is contained in the loan file.<br>Response 1 (03/31/2025 7:51AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| xxxxxx | 833987 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (03/26/2025 9:02AM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Open) Program Parameters - Other- <br>The subject loan does not meet Program Parameters. Lender Exception provided to approve a New Project with unit owners not in control of HOA and to allow a Project that requires Mortgagee to pay delinquent HOA dues. Determined non-material based on compensating factors (waived).<br>(Open) Program Parameters - Other- <br>The subject loan does not meet Program Parameters. Lender Exception provided to allow xxxxxx loan amount at 75% LTV when max is $2,000,000 for investment purchase. ?Determined non-material based on compensating factors (waived).<br>(Clear) Contract - Missing- <br>The file contained no evidence of a properly executed sales contract. The file did not contain the sales contract. Noted, the HUD reflected a seller credit in the amount of $87,000 which should be reflected on the contract. Additional conditions may apply.<br>Response 1 (03/26/2025 1:29PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second appraisal which supports the appraised value.<br>**  | Compensating factors: FICO 782 when 680 is minimum; residual income $46,956.<br>Compensating factors: Compensating factors: FICO 782 when 680 is minimum; residual income $46,956. | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 833988 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) Income - Insufficient Documentation- <br>The subject loan was approved under the bank statement program, which the borrower is required to provide 12 month of bank statements, which are required to be eligible and complete. The 11 out of the 12 months of bank statements obtained in the loan file are missing pages.<br>Response 1 (04/01/2025 1:29PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 833989 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Open) Note - Incomplete- <br>The following section of the Note is incomplete: The loan agreement was not signed by the lender.<br>**  | **(Open) Program Parameters - Property Type- <br>Lender Exception provided to "Allow financing to proceed for a Unit within a project converted from xxxxxx (prior to 2006)." Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the file contains a CDA, dated xxxxxx, that supports the value.<br>**  | Borrowers have high FICOs (752 & 774) with 20+ yr credit history; Borrowers have owned primary for 16+ years, xxxxxx employed 5+ years with employer, DTI < 40%. | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833990 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Open) Note - Incomplete- <br>The following section of the Note is incomplete: The loan agreement was not signed by the lender.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833991 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Closing Information/Disbursement Date- <br>The CD issued on xxxxxx does not reflect the correct Disbursement Date when compared to the consummation date of xxxxxx. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii). (Waived)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833992 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The loan agreement was not signed by the lender.<br>Response 1 (04/23/2025 12:03PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) DSCR - Missing background check- <br>The loan file is missing the background search for the borrowing entity to include liens and judgment search.<br>Response 1 (04/22/2025 1:16PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 833993 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated xxxxxx, that supports the value.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 833994 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (03/26/2025 9:11AM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Open) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception to allow borrower to proceed as a 1st time investor without owning a primary residence and without only having a 3-month history of previous investment property ownership. Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Compensating Factors: Fico score 764, DSCR 1.351%, borrower has a 10 + year credit history, assets exceed required 12 months. | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 833995 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Section B incorrect payee- <br>The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on xxxxxx. Appraisal and Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. (Waived)<br>(Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) (Waived)<br>**  | **(Open) Program Parameters - Other- <br>Lender Exception provided to "allow expense factor of 50% usage for income analysis qualification." Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  | Compensating factors: excess reserves $100K, FICO 761, years on job 14.2 years | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833996 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Open) Appraisal - Aged > 120 days- <br>Lender's Exception - The appraisal was > 120 days at the time of closing; however, the Lender accepted the original appraisal. Compensating factors deems as non-material. (waived)<br>(Open) Program Parameters - Property Type- <br>Lender's Exception - Lender allowed the subject property to be located in a xxxxxx Area. Compensating factors deems as non-material. (waived)<br>(Clear) Verification Documentation - VOE Self-Employed/Missing- <br>Per Lender's guides, proof that the borrower's business is active by a third-party source dated within 10 days of the note is required to be obtained. The loan file obtains a letter from a Tax Preparer; however, the letter is not dated. The loan file does not obtain any other third party source verifying the borrower's business as active.<br>Response 1 (03/27/2025 11:12AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  | Compensating factors - 20 months reserves, $7,965.90 residual income per month, 756 mid score.<br>Compensating factors - 20 months reserves, $7,965.90 residual income per month, 756 mid score. | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| xxxxxx | 833997 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (03/28/2025 12:40PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) DSCR - Missing background check- <br>The required background check for xxxxxx is missing from the loan file.<br>Response 1 (03/31/2025 7:44AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Second appraisal in file and supported original appraised value.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 833999 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The loan agreement was not signed by the lender.<br>Response 1 (03/14/2025 11:17AM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) Contract Addendum - Missing- <br>The Sales Contract Addendum is missing to verify seller credit in the amount of $27,600. Closing disclosure and appraisal reflect the seller credit but the purchase contract provided does not. Guidelines state interested party contributions must be properly disclosed in the sales contract.<br>Response 1 (03/17/2025 1:56PM)<br> Please provide most recent item 20. Item 20 in the loan file is blank. (Upheld)<br>Response 2 (03/19/2025 2:53PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 834002 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: Missing page 1 of the Loan agreement<br>Response 1 (03/31/2025 12:37PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The loan agreement was not executed by the lender.<br>Response 1 (04/01/2025 4:37PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 834004 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) (Waived)<br>(Open) TRID - CD - Section B incorrect payee- <br>The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on xxxxxx. Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. (Waived)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 834005 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (03/28/2025 12:42PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>The loan file is missing the required xxxxxx and xxxxxx SSR's per xxxxxx guidelines. Additional conditions may apply.<br>Response 1 (03/27/2025 5:47PM)<br> Document provided and CU score meets guidelines. (Resolved)<br>(Clear) DSCR - Program Parameters - Other- <br>The loan file is missing the final completion report xxxxxx/xxxxxx Forms 1004D/465. The appraiser states on the addendum 1) The xxxxxx. The subject does not have xxxxxx currently. The POC stated the contractor is going to be xxxxxx in the next week. Cost to cure can range from $2,500 to $20,000 depending on the scope of work wit hthe high end price would cover xxxxxx. xxxxxx could cost $5,000. each including xxxxxx per appraiser. The final completion report is not in the file. Additional conditions may apply.<br>Response 1 (03/27/2025 5:46PM)<br> 1004D completed on 3.10.2025 references that the xxxxxx that have xxxxxx are have been installed. xxxxxx. All appliances and utilities were functional at time of inspection. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 848357 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/11/2025 9:15AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Hazard Insurance - Missing/Insufficient- <br>Per the guidelines, liability coverage in the minimum amount of $100,000.00 is required. There is an email document in the loan file from xxxxxx stating xxxxxx has xxxxxx in liability coverage but the policy and premium are missing from the loan file. Additional conditions may apply.<br>Response 1 (09/09/2025 6:42AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.0.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 848358 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/12/2025 9:25AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file also contained a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848359 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (09/12/2025 9:28AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848360 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Section B incorrect payee- <br>The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee and Desk Review Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>(Clear) Federal - HPML APR/Non-Compliant- <br>The loan failed the Federal HPML APR test. Using the greater of the disclosed APR 9.286% and the calculated APR 9.2395%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: xxxxxx. The loan is a non-compliant HPML due to the following: Appraisal requirements have not been met.<br>Response 1 (08/26/2025 3:12PM)<br> The loan is a compliant Federal HPML, Appraisal requirements have been met.(Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The loan file contained a CDA dated xxxxxx which supported the appraised value. CU score is 1.8<br>**  |  | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 848362 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx.Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>(Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.<br>**  |  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 848363 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an SSR dated xxxxxx with a CU score over 2.5; however, the loan file also contained a CDA dated xxxxxx which supports the appraised value. The CDA was a second valuation product, per the rating agencies, this is graded as an xxxxxx.<br>Response 1 (08/22/2025 7:26AM)<br> Upon further review this should be graded and xxxxxx. (Resolved)<br>**  |  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 848364 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (09/02/2025 9:46AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Exhibit B to the Loan Agreement is missing the execution date.<br>Response 1 (08/27/2025 12:10PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (51% or more). The following are missing for xxxxxx: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship. 2) An authorization for a credit report and background report. 3) Identification documentation must be provided as in a driver's license, passport, or similar<br>Response 1 (08/27/2025 5:51PM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) DSCR - Missing background check- <br>Missing background check per guidelines. The background check for xxxxxx is missing from the loan file.<br>Response 1 (08/27/2025 5:51PM)<br> Documentation received is sufficient. (Resolved)<br>(Open) DSCR - Program Parameters - Other- <br>The lender provided an exception to allow for a change in the entity structure after application date. Considered non-material based on compensating factors (waived).<br>(Open) DSCR - Program Parameters - Other- <br>The lender provided an exception to allow for a xxxxxx property. Considered non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.6.<br>**  | Compensating factors: 721 FICO, 113 mos reserves<br>Compensating factors: 721 FICO, 113 mos reserves | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 848365 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/11/2025 12:10PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848367 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (08/28/2025 8:10AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Verification Documentation - VOR- <br>The VOR in file for the borrowers primary residence is from a private party which requires 12 months canceled checks to support. The canceled checks are missing from the loan file.<br>Response 1 (09/03/2025 2:18PM)<br> Documentation received is sufficient. (Resolved)<br>(Open) Program Parameters - Other- <br>Per guidelines: Borrower must provide a 12 month history of rental income from a currently owned short term rental equal to the forecasted income of the subject property to support their experience. Proof of 12 months experience is missing from the loan file.<br>Response 1 (09/08/2025 7:52AM)<br> Waiver granted by Investor. (Waived)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.<br>**  | 771 score. 76.5% LTV. 11 months of reserves. | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 848368 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 848369 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The loan agreement was not executed by the lender.<br>Response 1 (09/10/2025 11:00AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848372 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (08/28/2025 8:20AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Open) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception to allow the use of the lease agreement for two years beginning xxxxxx for $1,475 a month rent confirmed by appraisal. xxxxxx guidelines require if lease amount is higher than 1007 requires two months' rent receipts. Determine non-material based on compensating factors (waived).<br>(Clear) DSCR - Program Parameters - Other- <br>The loan file is missing the required Appraisal Completion Report. Additonal condtions may apply.<br>Response 1 (08/29/2025 7:26AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Compensating Factors: Fico score 722, | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 848374 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Section B incorrect payee- <br>The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee, Desk Review Fee. However, these fees should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated xxxxxx which supported the appraised value. CU score is 2.5.<br>**  |  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 848375 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (09/02/2025 10:15AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Program Parameters - Other- <br>Guarantors are required to complete a limited application that includes their name, address, date or birth, social security number and citizenship. Authorization to pull credit report and background report are required along with the guarantor's credit score meeting the minimum program guidelines. The required documents are missing for xxxxxx.<br>Response 1 (08/27/2025 5:45PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 848376 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The loan agreement was not executed by the lender.<br>Response 1 (09/10/2025 10:36AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA was provided dated xxxxxx and supported the original appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848377 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/11/2025 11:08AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Hazard Insurance - Missing/Insufficient- <br>Per the guidelines, liability coverage in the minimum amount of $100,000.00 is required. The hazard policy does not reflect any liability coverage.<br>Response 1 (09/09/2025 6:46AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 848379 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/02/2025 11:08AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848383 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan agreement was not executed by the Lender.<br>Response 1 (09/12/2025 4:52PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848384 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/09/2025 5:15PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2.2.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848385 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/11/2025 9:42AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848386 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/02/2025 9:10AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.3.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848387 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (08/27/2025 11:33AM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848388 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (09/09/2025 9:06AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>Per the guidelines non-borrowing guarantors must provide a limited application with name, address, DOB, SSN and citizenship. Additional ID such as a driver's license or passport is required. A credit report and fraud report, along with authorization to pull must be obtained with the guarantor meeting the minimum credit score requirements. The second member, xxxxxx, signed the Guaranty Agreement however, the file is missing all other required documentation. Guideline requirements have not been met.<br>Response 1 (09/08/2025 7:47AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 848389 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Open) HUD1 - Not Final- <br>It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. HUD1 in file is not stamped or signed by borrower and has Preliminary across it.<br>**  | **(Open) Appraisal - Other- <br>The loan file contains a lender exception for using appraisal form xxxxxx instead of required form xxxxxx. Determined non-material based on compensating factors (waived).<br>(Open) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception subject is a xxxxxx family, guidelines require each unit is to be a minimum of 500 sq feet but xxxxxx of the units are only xxxxxx each. Determined non-material based on compensating factors (waived).<br>(Open) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception for borrower experience, inexperienced borrowers not allowed on 5-10 properties, recently inherited. Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Compensating factors: >12 months PITI, LTV 5% less than max<br>Compensating factors: >12 months PITI, LTV 5% less than max<br>Compensating factors: >12 months PITI, LTV 5% less than max | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 848391 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 849852 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/25/2025 4:25PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849853 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/09/2025 8:40AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Security Instrument - Name Discrepancy- <br>The Vested Interest on the Security Instrument is inconsistent with the Title. The loan file did not contain the transfer deed from xxxxxx and xxxxxx to xxxxxx.<br>Response 1 (09/12/2025 11:01AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Open) DSCR - Program Parameters - Other- <br>Lender Exception provided to proceed with refinance for Borrow with 699 FICO and LTV greater than 65%. Determined non-material based on compensating factors.<br>(Clear) DSCR - Program Parameters - Other- <br>Per the guidelines non-borrowing guarantors must provide a limited application with name, address, DOB, SSN and citizenship. Additional ID such as a driver's license or passport is required. A credit report and fraud report, along with authorization to pull must be obtained with the guarantor meeting the minimum credit score requirements. The second member, xxxxxx signed the Guaranty Agreement however, the file is missing all other required documentation. Guideline requirement have not been met.<br>Response 1 (09/08/2025 7:16AM)<br> Photo ID is not legible. (Upheld)<br>Response 2 (09/10/2025 9:06AM)<br> Borrower ID received a second time. Still need xxxxxx ID. (Upheld)<br>Response 3 (09/12/2025 6:41AM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) DSCR - Program Parameters - Other- <br>Per the guidelines a Chapter 7 bankruptcy must be discharged, a minimum of twelve months prior to the Note Date. The length of time is measured from the discharge or dismissed date. The bankruptcy and Notice of filing under Chapter 7 identifies that the Borrowed filed on xxxxxx, however the loan file is missing documents to support the date that Chapter 7 bankruptcy was discharged or dismissed.<br>Response 1 (09/09/2025 6:33AM)<br> PACER reflected the BK. The discharge information was also provided. Discharged xxxxxx. (Resolved)<br>(Clear) Assets - Bank Statements- <br>Per the guidelines assets must be seasoned for 60 days. The loan file contains two xxxxxx accounts, with one bank statement for each account. An additional consecutive statement for each xxxxxx account is needed to meet the guideline requirement.<br>Response 1 (09/11/2025 8:12AM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Assets - Minimum Reserves- <br>Assets were required in the amount of $19493 ($1921 funds due at closing + $17572 reserves). Assets were verified in the amount of $15962 (xxxxxx $4986 + xxxxxx $3442 + xxxxxx $7534) resulting in short reserves in the amount of $3531.<br>Response 1 (09/11/2025 8:15AM)<br> It could not be determined if the projected figure had been adjusted for loan balance. Please provided a current reconciled cash surrender value. (Upheld)<br>Response 2 (09/12/2025 3:40PM)<br> Upon further review assets required are accounted for after recalculation. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supported the appraised value.<br>**  | Compensating Factors: Experienced Investor, Repeat xxxxxx Client | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 849854 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (09/18/2025 3:41PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849855 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 849859 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The loan agreement was not executed by the lender.<br>Response 1 (09/11/2025 10:28AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>Per the guidelines non-borrowing guarantors must provide a limited application with name, address, DOB, SSN and citizenship. Additionally, ID such as a driver's license or passport is required. A credit report and fraud report, along with authorization to pull must be obtained with the guarantor meeting the minimum credit score requirements. The second member, xxxxxx signed the Guaranty Agreement however, the file is missing all other required documentation.<br>Response 1 (09/11/2025 8:18AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided and supports original appraised value.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 849861 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (09/25/2025 9:19AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Appraisal - Other- <br>Per the guidelines, properties must contain a full kitchen. The appraiser indicates appliances for subject property include a xxxxxx, however, photo of the kitchen does not indicate a xxxxxx is in place. Please provide evidence of the stove being installed.<br>Response 1 (09/30/2025 8:10AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second appraisal completed on xxxxxx which supports the value.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 849862 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/26/2025 5:23PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849864 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>(Open) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>**  | **(Clear) Income - Other- <br>The loan application reflects income of $3750 for second borrower , xxxxxx. The loan file contains proof business is active within 10 days of note date, xxxxxx 1099 transcript along with bank statements reflecting YTD earnings. Based on the documents provided in the loan file the lender used greater than a 10% expense factor; however, a 3rd party prepared P&L was not provided in the loan file to confirm the expense factor. Reviewer unable to confirm income of $3750.<br>Response 1 (09/24/2025 2:35PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1<br>**  |  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| xxxxxx | 849865 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/15/2025 11:36AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849867 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) Appraisal - Other- <br>The appraisal transfer letter on the originating lenders letterhead is missing from the loan file.<br>Response 1 (09/17/2025 8:33AM)<br> Explanation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 849870 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) Federal - HPML APR/Compliant- <br>The loan failed the Federal HPML APR test. Using the greater of the disclosed APR 9.252% and the calculated APR 9.186, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: xxxxxx. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met.<br>(Open) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>**  | **(Open) Program Parameters - LTV- <br>The LTV does not meet the program eligibility guidelines. Guidelines state the max LTV for a purchase with a gift funds is 80%. The subject closed with an LTV of 90%. A lender Exception was provided for the increase of the LTV to 90%. Determined non-material based on compensating factors. (waived)<br>(Open) Program Parameters - Other- <br>The borrower is using $7K in gift funds to close. The gift letter states the gift funds are from the borrowers girlfriend. A lender Exception was provided to allow for the gift funds from the borrower's girlfriend. Determined non-material based on compensating factors. (waived)<br>(Clear) Verification Documentation - VOE/Missing- <br>Borrower was qualified as a 1099 employee of xxxxxx. Guidelines require proof that the business is active by a third-party source dated within 10 days of the note. No documentation was provided to confirm.<br>Response 1 (09/19/2025 11:11AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  | Compensating Factors: Borrower has a 726 credit score and a DTI of 29.433%.<br>Compensating Factors: Borrower has a 726 credit score and a DTI of 29.433%. | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| xxxxxx | 849871 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as "Other"; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 849872 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>(Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>(Clear) TRID - CD - Revised CD Delivery Date (No Waiting Period)- <br>This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: The Closing Disclosure was not received by the borrower prior to the Consummation Date. The CD issued on xxxxxx was signed and dated xxxxxx which is after consummation, xxxxxx.<br>Response 1 (09/26/2025 11:01AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Assets - Cash to Close- <br>The file is missing verification of the stated Bridge Loan in the amount of xxxxxx from the sale of the borrowers primary residence located at xxxxxx. Additional conditions may apply.<br>Response 1 (09/24/2025 7:12PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx supportive of value.<br>**  |  | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 849874 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/19/2025 5:01PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Open) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception for the borrower living rent free, verification of lease and 2 months' rent is not available. Determined non-material based on compensating factors (waived).<br>(Open) Appraisal - Other- <br>The loan file contains a lender exception to waive the foundation inspection; property built prior to 1925. Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Compensating factors: DSCR >1.0, 794 FICO<br>Compensating factors: DSCR >1.0, 794 FICO | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849875 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/19/2025 4:58PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Open) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception for the borrower living rent free, verification of lease and 2 months' rent is not available. Determined non-material based on compensating factors (waived).<br>(Open) Program Parameters - Property Type- <br>The loan file contains a lender exception to waive the foundation inspection; property built prior to 1925. Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Compensating factors: DSCR >1.0, 794 FICO<br>Compensating factors: DSCR >1.0, 794 FICO | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849876 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (09/12/2025 5:04PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Open) Program Parameters - Other- <br>The lender provided an exception to allow a for 1 comp located outside the subject project. Considered non-material based on compensating factors (waived).<br>(Open) Program Parameters - Other- <br>The lender provided an exception to allow the transaction to proceed as a xxxxxx despite the appropriate box on the condo questionnaire not being checked. Considered non-material based on compensating factors (waived).<br>(Clear) Program Parameters - Other- <br>The file does not contain verification of the borrowers short term rental experience. Per guidelines "Borrower must show a history of owning and managing a minimum of 1 vacation rental in the same short term rental market for at least 12 months in the last 36 months"<br>Response 1 (09/12/2025 6:33AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  | Compensating factors: 805 FICO, experienced investor<br>Compensating factors: 805 FICO, experienced investor | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 849878 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/19/2025 4:40PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849880 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/26/2025 5:11PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Open) DSCR - Program Parameters - Other- <br>The loan file contains a lender exception to allow rural property. xxxxxx guidelines state no rural properties. Determined non-material based on compensating factors (waived).<br>(Clear) DSCR - Program Parameters - Other- <br>Borrower 1 was 50%/50% owner of the borrowing entity, xxxxxx, with a non-borrower, xxxxxx. Lender guidelines require Personal Guaranty to be signed by one or more owners representing a majority ownership (51%). The loan file contained the Guaranty for both guarantors as required. However, the loan file did not contain a 1) limited application that includes name, address, date of birth, social security, and citizenship 2) authorization for credit report and 3) background check. Additional conditions may apply.<br>Response 1 (09/26/2025 6:19AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Compensating Factors: Fico score 785, experienced investor. | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 849885 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Section B incorrect payee- <br>The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on xxxxxx. Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>**  | **(Open) Program Parameters - Other- <br>The subject property is a Bridge Loan purchase. Guidelines allow for max cash back of $5000. The subject exceeds the max cash back of $5000. A lender Exception was provided to allow for the excessive cash back. Determined non-material based on compensating factors. (waived)<br>(Clear) Assets - Minimum Reserves- <br>The guidelines state 3 months or $$10,552 are required cash reserves. The file indicates the borrower is $4268 short reserves. No lender exception was provided.<br>Response 1 (09/16/2025 9:13AM)<br> Funds calculated in rebuttal did not use the latest statement for xxxxxx xxxxxx. The 6/3/2025 statement was used. The 8/3/2025 statement for xxxxxx xxxxxx was used at review, which is just under $15,000 less. The shortage stands. (Upheld)<br>Response 2 (09/18/2025 12:23PM)<br> Explanation received is sufficient. (Reolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  | Compensating Factors: Borrower has a credit score of 792 and an LTV of 65%. | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 849888 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/15/2025 11:05AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849889 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Clear) Security Instrument - Incomplete- <br>The security instrument was not completed accurately. The Name of the Development on the PUD Rider is blank and does not match the PUD Development Name on the legal description, of the Security Instrument.<br>Response 1 (09/11/2025 1:11PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>**  | **(Clear) Debts - Not Verified- <br>The application and approval state the borrower obtained a Bridge Loan in the amount of xxxxxx. The file is missing the required Bridge Loan documentation to verify the first mortgage on the borrower's current primary home was paid off with the Bridge Loan. Otherwise, the DTI will exceed 50%.<br>Response 1 (09/10/2025 10:34AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.<br>**  |  | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 849890 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (10/03/2025 8:13AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>Per guidelines, the source of funds for the delayed purchase transaction must be documented. The loan file does not include bank statements reflecting the source of funds for the original purchase transaction.<br>Response 1 (09/11/2025 12:08PM)<br> Upon further review subject loan was not a delayed financing transaction. (Resolved)<br>(Open) DSCR - Program Parameters - Other- <br>The loan file contains an exception to waive the foundation inspection for a property built in xxxxxx. Determined non material based on compensating factors. (waived)<br>(Open) DSCR - Program Parameters - Other- <br>The loan file contains an exception to allow loan to close based on the deed signing date as opposed to the settlement statement date. Determined non material based on compensating factors. (waived)<br>(Clear) DSCR - Missing background check- <br>The loan file is missing the background search to include a lien and judgment search for the borrowing entity xxxxxx.<br>Response 1 (09/12/2025 6:52AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx which supports the appraised value.<br>**  | comp factors: credit 733, LTV 46.354, reserves > $200k<br>comp factors: credit 733, LTV 46.354, reserves > $200k | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 849894 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Section B incorrect payee- <br>The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on xxxxxx. Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>(Clear) ROR - Timing- <br>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, xxxxxx is before the third business day following consummation, xxxxxx.<br>Response 1 (09/24/2025 11:38AM)<br> The documentation provided is not sufficient to clear the finding. The CD issued on xxxxxx was provided in the original loan file and doe snot address the issue. The loan closed on xxxxxx and the borrower has until midnight of xxxxxx to rescind. The Final CD issued on xxxxxx discloses the funding date as xxxxxx; the loan funded prior to the end of the rescission period. Please provide evidence of funding of loan. (Upheld)<br>Response 2 (09/30/2025 9:18AM)<br> There-opened rescission expired at midnight on xxxxxx clearing the exception.(Resolved)<br>**  | **(Clear) Income - Other/Missing- <br>The borrower was qualified under the 24 months bank statement program. The file is missing the required bank statements from 06/2024 - 01/2024.<br>Response 1 (09/17/2025 7:58AM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Debts - Not Verified- <br>The borrower owns 2 rental properties located at xxxxxx and xxxxxx. The file is missing the required verification of HOI for both properties.<br>Response 1 (09/17/2025 8:01AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 849896 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Loan Information/Loan Type- <br>The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv)<br>(Open) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>(Clear) TRID - Zero Tolerance Violation (No Valid COC)- <br>The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal fee. A cost to cure in the amount of $200.00 is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery.<br>Response 1 (09/24/2025 11:52AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Income - Other- <br>The loan file is missing income documentation supporting the borrowers qualifying income of $38,486.64/mo. Additional conditions may apply as it is unclear how the lender qualified the borrowers income therefore more specific findings cannot be provided at time of audit.<br>Response 1 (09/19/2025 10:57AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 3 | 2 | 4 | 1 | 3 | 2 | 1 | 1 C B D A |
| xxxxxx | 849897 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (09/17/2025 10:03AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Security Instrument - Name Discrepancy- <br>The vested interest on the security instrument could not be verified as accurate. Although there was a Warranty deed in the file, it was not executed.<br>Response 1 (09/17/2025 10:03AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx supportive of value.<br>**  |  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 849898 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/25/2025 11:46AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849902 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (09/12/2025 11:32AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Security Instrument - Incomplete- <br>The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The 1-4 Family Rider is missing Page 3.<br>Response 1 (09/12/2025 11:32AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Open) Condo - Other- <br>Lender Exception provided for "Investor concentration at 77%." Determined non-material based on compensating factors (waived).<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  | Compensating Factors: Low DTI, Excess Reserves, Great Credit | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 849903 | xxxxxx | xxxxxx | xxxxxx | Non-QM Verified | N/A | **(Open) TRID - CD - Section B incorrect payee- <br>The loan contains a fee where compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Desk Review Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.<br>**  | **(Clear) Assets - Cash to Close- <br>The file is missing verification of the stated Bridge Loan in the amount of xxxxxx on borrower's primary residence located at xxxxxx. Additional conditions may apply.<br>Response 1 (09/26/2025 6:33AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| xxxxxx | 849905 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan agreement was not executed by the Lender.<br>Response 1 (09/11/2025 12:44PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Exhibit B of the Loan Agreement does not reflect the execution date.<br>Response 1 (09/11/2025 12:45PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.5.<br>**  |  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 849907 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/10/2025 10:33AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>(Clear) Security Instrument - Name Discrepancy- <br>The security instrument was not completed accurately. The Mortgage reflects vesting as an Entity; however, the current vesting on the Title Report reflects xxxxxx and xxxxxx. While a gift deed is included in the file to transfer interest to the Entity, the deed is not executed.<br>Response 1 (09/10/2025 10:33AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) DSCR - Program Parameters - Other- <br>Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for xxxxxx (50% ownership of LLC).<br>Response 1 (09/10/2025 10:30AM)<br> License for xxxxxx is not legible. (Upheld)<br>Response 2 (09/11/2025 1:34PM)<br> Legible copy of license provided. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.0.<br>**  |  | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 849908 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/16/2025 3:56PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Appraisal - Other- <br>Per the appraisal photos there are xxxxxx, this is a health/safety issue comments and photos are required stating if there are xxxxxx, no comments or photos.<br>Response 1 (09/18/2025 1:03PM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 849909 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/19/2025 4:19PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Open) DSCR - Program Parameters - Other- <br>Lender Exception provided to proceed forward with pending litigation that appears to be settled between parties with no major financial risk to association. Lawsuit is not applicable to subject property or borrower and is not a structural or health and safety issue. Determined non-material based on compensating factors (waived).<br>(Clear) DSCR - Program Parameters - Other- <br>Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report. The file is missing the required documentation for xxxxxx.<br>Response 1 (09/19/2025 10:36AM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value.<br>**  | Compensating Factors: Experienced Investor, FICO 773 | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 849910 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the lender.<br>Response 1 (09/16/2025 3:53PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value.<br>**  |  | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849912 | xxxxxx | xxxxxx | xxxxxx | GQM Exempt - Business Purpose | N/A | **(Clear) Note - Incomplete- <br>The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender.<br>Response 1 (09/25/2025 4:38PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **(Clear) Debts - Not Verified- <br>The application lists 4 investment properties owned by the borrower. The file is missing verification of PITI for all rentals owned except xxxxxx.<br>Response 1 (09/24/2025 2:04PM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Program Parameters - Other- <br>According to guidelines guarantors are required to provide a loan application, authorization for a credit report and background report as well as identification documents. The loan file did not contains ID documentation; however none of the other required documentation for the non borrowing guarantor, xxxxxx.<br>Response 1 (09/24/2025 2:06PM)<br> Documentation received is sufficient. (Resolved)** | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.<br>**  |  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| xxxxxx | 833991 | 1 of 3 | xxxxxx | xxxxxx | Compliance | TRID - CD - Closing Information/Disbursement Date | xxxxxx | The CD issued on xxxxxx does not reflect the correct Disbursement Date when compared to the consummation date of xxxxxx. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii). (Waived) | Waived |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 833991 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833991 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833987 | 1 of 5 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (03/26/2025 9:00AM)<br> Docs uploaded.<br>**  | **Response 1 (03/26/2025 9:02AM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 833987 | 2 of 5 | xxxxxx | xxxxxx | Credit | Contract - Missing | xxxxxx | The file contained no evidence of a properly executed sales contract. The file did not contain the sales contract. Noted, the HUD reflected a seller credit in the amount of $87,000 which should be reflected on the contract. Additional conditions may apply. | Resolved | **Rebuttal 1 (03/24/2025 4:29PM)<br> Please see attached Contract, Addendum and written consent from xxxxxx.<br>**  | **Response 1 (03/26/2025 1:29PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 833987 | 3 of 5 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | The subject loan does not meet Program Parameters. Lender Exception provided to allow xxxxxx loan amount at 75% LTV when max is $2,000,000 for investment purchase. ?Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Compensating factors: FICO 782 when 680 is minimum; residual income $46,956. | 2 | 2 | 3 | 2 |
| xxxxxx | 833987 | 4 of 5 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | The subject loan does not meet Program Parameters. Lender Exception provided to approve a New Project with unit owners not in control of HOA and to allow a Project that requires Mortgagee to pay delinquent HOA dues. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: FICO 782 when 680 is minimum; residual income $46,956. | 2 | 2 | 3 | 2 |
| xxxxxx | 833987 | 5 of 5 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second appraisal which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 833997 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (03/28/2025 12:38PM)<br> Docs uploaded.<br>**  | **Response 1 (03/28/2025 12:40PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 833997 | 2 of 3 | xxxxxx | xxxxxx | Credit | DSCR - Missing background check | xxxxxx | The required background check for xxxxxx is missing from the loan file. | Resolved | **Rebuttal 1 (03/27/2025 12:15PM)<br> Please see the attached<br>**  | **Response 1 (03/31/2025 7:44AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 833997 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Second appraisal in file and supported original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 833984 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (04/01/2025 3:59PM)<br> Docs uploaded.<br>**  | **Response 1 (04/01/2025 4:00PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 833984 | 2 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file is missing the Business Purpose Affidavit. Additional conditions may apply. | Resolved | **Rebuttal 1 (03/31/2025 3:14PM)<br> Please see attached business purpose cert. <br>**  | **Response 1 (04/02/2025 8:33AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 833984 | 3 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Lender Exception provided for "2nd mortgage payment being paid in cash." Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico is 40 points greater than min FICO score, experienced investor assets exceed required reserves by 6 months | 2 | 2 | 3 | 2 |
| xxxxxx | 833984 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 833982 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833982 | 2 of 3 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The lender provided an exception to allow for a 30% gift of equity. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: 802 FICO, 42 mos reserves | 2 | 2 | 2 | 2 |
| xxxxxx | 833982 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided dated xxxxxx and supports original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833981 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833981 | 2 of 3 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The lender provided an exception to allow for a 30% gift of equity. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: 802 FICO, 42 mos reserves | 2 | 2 | 2 | 2 |
| xxxxxx | 833981 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833980 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833980 | 2 of 3 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The lender provided an exception to allow for a 30% gift of equity. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: 802 FICO, 43 mos reserves | 2 | 2 | 2 | 2 |
| xxxxxx | 833980 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 834005 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (03/28/2025 12:41PM)<br> Docs uploaded.<br>**  | **Response 1 (03/28/2025 12:42PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 834005 | 2 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file is missing the final completion report xxxxxx/xxxxxx Forms 1004D/465. The appraiser states on the addendum 1) The xxxxxx. The subject does not have xxxxxx. The POC stated the contractor is going to be installing xxxxxx in the next week. Cost to cure can range from $2,500 to $20,000 depending on the scope of work wit hthe high end price would xxxxxx. Mini splits could cost $5,000. each including installation per appraiser. The final completion report is not in the file. Additional conditions may apply. | Resolved | **Rebuttal 1 (03/27/2025 5:44PM)<br> 1004D references...please review.<br>**  | **Response 1 (03/27/2025 5:46PM)<br> 1004D completed on 3.10.2025 references that the wall units that have xxxxxx. xxxxxx. All appliances and utilities were functional at time of inspection. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 834005 | 3 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file is missing the required xxxxxx and xxxxxx SSR's per xxxxxx guidelines. Additional conditions may apply. | Resolved | **Rebuttal 1 (03/27/2025 4:18PM)<br> Please see the attached SSR&xxxxxx.<br>**  | **Response 1 (03/27/2025 5:47PM)<br> Document provided and CU score meets guidelines. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 834005 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 833999 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (03/14/2025 11:16AM)<br> Docs uploaded.<br>**  | **Response 1 (03/14/2025 11:17AM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 833999 | 2 of 3 | xxxxxx | xxxxxx | Credit | Contract Addendum - Missing | xxxxxx | The Sales Contract Addendum is missing to verify seller credit in the amount of $27,600. Closing disclosure and appraisal reflect the seller credit but the purchase contract provided does not. Guidelines state interested party contributions must be properly disclosed in the sales contract. | Resolved | **Rebuttal 1 (03/13/2025 4:02PM)<br> Can we please revisit this condition? Per Item 20. Additional Terms on the provided contract: Seller to contribute 4% towards buyer&xxxxxx closing costs, prepaids and non-allowables<br>Rebuttal 2 (03/17/2025 3:00PM)<br> Please see the attached<br>**  | **Response 1 (03/17/2025 1:56PM)<br> Please provide most recent item 20. Item 20 in the loan file is blank. (Upheld)<br>Response 2 (03/19/2025 2:53PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 833999 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 833977 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 833977 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833977 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833983 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (04/10/2025 10:50AM)<br> Docs uploaded.<br>**  | **Response 1 (04/10/2025 10:53AM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 833983 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 833983 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 833976 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 833976 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833976 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833979 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Security Instrument - Inaccurate | xxxxxx | The security instrument was not completed accurately. The Notary date is xxxxxx and the borrower hand dated the mortgage as xxxxxx. | Resolved | **Rebuttal 1 (04/08/2025 3:53PM)<br> corrected docs<br>**  | **Response 1 (04/10/2025 1:24PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 833979 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 833979 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 834004 | 1 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) (Waived) | Waived |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 834004 | 2 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on xxxxxx. Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. (Waived) | Waived |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 834004 | 3 of 4 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 834004 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833996 | 1 of 5 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 833996 | 2 of 5 | xxxxxx | xxxxxx | Credit | Appraisal - Aged > 120 days | xxxxxx | Lender's Exception - The appraisal was > 120 days at the time of closing; however, the Lender accepted the original appraisal. Compensating factors deems as non-material. (waived) | Waived |  |  |  | Compensating factors - 20 months reserves, $7,965.90 residual income per month, 756 mid score. | 2 | 2 | 3 | 2 |
| xxxxxx | 833996 | 3 of 5 | xxxxxx | xxxxxx | Credit | Program Parameters - Property Type | xxxxxx | Lender's Exception - Lender allowed the subject property to be located in a xxxxxx. Compensating factors deems as non-material. (waived) | Waived |  |  |  | Compensating factors - 20 months reserves, $7,965.90 residual income per month, 756 mid score. | 2 | 2 | 3 | 2 |
| xxxxxx | 833996 | 4 of 5 | xxxxxx | xxxxxx | Credit | Verification Documentation - VOE Self-Employed/Missing | xxxxxx | Per Lender's guides, proof that the borrower's business is active by a third-party source dated within 10 days of the note is required to be obtained. The loan file obtains a letter from a Tax Preparer; however, the letter is not dated. The loan file does not obtain any other third party source verifying the borrower's business as active. | Resolved | **Rebuttal 1 (03/25/2025 5:10PM)<br> Attached <br>**  | **Response 1 (03/27/2025 11:12AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 833996 | 5 of 5 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 833985 | 1 of 3 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) (Waived) | Waived |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 833985 | 2 of 3 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | Lender Exception provided to "accept transferred appraisal "As Is"." (U/W requesting project info be corrected to match with Questionnaire). Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Excess reserves $82K, FICO 788, Residual income $4,402.69 | 2 | 2 | 2 | 2 |
| xxxxxx | 833985 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833989 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 833989 | 2 of 3 | xxxxxx | xxxxxx | Credit | Program Parameters - Property Type | xxxxxx | Lender Exception provided to "Allow financing to proceed for a Unit within a project converted from xxxxxx (prior to 2006)." Determined non-material based on compensating factors (waived). | Waived |  |  |  | Borrowers have high FICOs (752 & 774) with 20+ yr credit history; Borrowers have owned primary for 16+ years, CB employed 5+ years with employer, DTI < 40%. | 2 | 2 | 2 | 2 |
| xxxxxx | 833989 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the file contains a CDA, dated xxxxxx, that supports the value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 834002 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: Missing page 1 of the Loan agreement | Resolved | **Rebuttal 1 (03/28/2025 5:32PM)<br> Attached <br>**  | **Response 1 (03/31/2025 12:37PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 834002 | 2 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Resolved | **Rebuttal 1 (04/01/2025 4:35PM)<br> Docs uploaded.<br>**  | **Response 1 (04/01/2025 4:37PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 834002 | 3 of 4 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 834002 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 833988 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 833988 | 2 of 3 | xxxxxx | xxxxxx | Credit | Income - Insufficient Documentation | xxxxxx | The subject loan was approved under the bank statement program, which the borrower is required to provide 12 month of bank statements, which are required to be eligible and complete. The 11 out of the 12 months of bank statements obtained in the loan file are missing pages. | Resolved | **Rebuttal 1 (03/28/2025 5:51PM)<br> all pages of 12mo bank statements<br>**  | **Response 1 (04/01/2025 1:29PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 833988 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 833995 | 1 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) (Waived) | Waived |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 833995 | 2 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on xxxxxx. Appraisal and Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. (Waived) | Waived |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 833995 | 3 of 4 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | Lender Exception provided to "allow expense factor of 50% usage for income analysis qualification." Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: excess reserves $100K, FICO 761, years on job 14.2 years | 2 | 2 | 2 | 2 |
| xxxxxx | 833995 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833993 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 833993 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 833993 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated xxxxxx, that supports the value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 833994 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (03/26/2025 9:09AM)<br> Docs uploaded.<br>**  | **Response 1 (03/26/2025 9:11AM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 833994 | 2 of 3 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception to allow borrower to proceed as a 1st time investor without owning a primary residence and without only having a 3-month history of previous investment property ownership. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score 764, DSCR 1.351%, borrower has a 10 + year credit history, assets exceed required 12 months. | 2 | 2 | 2 | 2 |
| xxxxxx | 833994 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833986 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 4 | 1 |
| xxxxxx | 833986 | 2 of 3 | xxxxxx | xxxxxx | Credit | Borrower - Residency Alien Documentation | xxxxxx | The borrower indicates Permanent Resident Alien status, however, the file contains no evidence documenting status as legally. The loan file obtains the borrower's driver license; however, no other identification as required per Lender's guides is contained in the loan file. | Resolved | **Rebuttal 1 (03/27/2025 11:16AM)<br> resident card<br>**  | **Response 1 (03/31/2025 7:51AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 4 | 1 | 4 | 1 |
| xxxxxx | 833986 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 4 | 1 |
| xxxxxx | 833992 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | **Rebuttal 1 (04/23/2025 12:01PM)<br> Docs uploaded.<br>**  | **Response 1 (04/23/2025 12:03PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 833992 | 2 of 3 | xxxxxx | xxxxxx | Credit | DSCR - Missing background check | xxxxxx | The loan file is missing the background search for the borrowing entity to include liens and judgment search. | Resolved | **Rebuttal 1 (04/18/2025 4:40PM)<br> Attached <br>**  | **Response 1 (04/22/2025 1:16PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 833992 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 833990 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 833990 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 833990 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 848364 | 1 of 7 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Exhibit B to the Loan Agreement is missing the execution date. | Resolved | **Rebuttal 1 (08/26/2025 8:34PM)<br> exhibit b<br>**  | **Response 1 (08/27/2025 12:10PM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 848364 | 2 of 7 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/02/2025 9:44AM)<br> Docs uploaded.<br>**  | **Response 1 (09/02/2025 9:46AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 848364 | 3 of 7 | xxxxxx | xxxxxx | Credit | DSCR - Missing background check | xxxxxx | Missing background check per guidelines. The background check for xxxxxx is missing from the loan file. | Resolved | **Rebuttal 1 (08/26/2025 8:17PM)<br> background<br>**  | **Response 1 (08/27/2025 5:51PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 848364 | 4 of 7 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (51% or more). The following are missing for xxxxxx: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship. 2) An authorization for a credit report and background report. 3) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | **Rebuttal 1 (08/26/2025 8:13PM)<br> guarantor docs<br>**  | **Response 1 (08/27/2025 5:51PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 848364 | 5 of 7 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The lender provided an exception to allow for a change in the entity structure after application date. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: 721 FICO, 113 mos reserves | 2 | 2 | 3 | 2 |
| xxxxxx | 848364 | 6 of 7 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The lender provided an exception to allow for a xxxxxx. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: 721 FICO, 113 mos reserves | 2 | 2 | 3 | 2 |
| xxxxxx | 848364 | 7 of 7 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.6. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 848385 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/11/2025 9:26AM)<br> Docs uploaded.<br>**  | **Response 1 (09/11/2025 9:42AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848385 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848385 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849853 | 1 of 8 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/09/2025 8:37AM)<br> Docs uploaded.<br>**  | **Response 1 (09/09/2025 8:40AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 849853 | 2 of 8 | xxxxxx | xxxxxx | Compliance | Security Instrument - Name Discrepancy | xxxxxx | The Vested Interest on the Security Instrument is inconsistent with the Title. The loan file did not contain the transfer deed from xxxxxx and xxxxxx to xxxxxx. | Resolved | **Rebuttal 1 (09/10/2025 7:28PM)<br> attached<br>**  | **Response 1 (09/12/2025 11:01AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849853 | 3 of 8 | xxxxxx | xxxxxx | Credit | Assets - Bank Statements | xxxxxx | Per the guidelines assets must be seasoned for 60 days. The loan file contains two xxxxxx accounts, with one bank statement for each account. An additional consecutive statement for each xxxxxx account is needed to meet the guideline requirement. | Resolved | **Rebuttal 1 (09/09/2025 12:57PM)<br> attached<br>**  | **Response 1 (09/11/2025 8:12AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849853 | 4 of 8 | xxxxxx | xxxxxx | Credit | Assets - Minimum Reserves | xxxxxx | Assets were required in the amount of $19493 ($1921 funds due at closing + $17572 reserves). Assets were verified in the amount of $15962 (xxxxxx $4986 + xxxxxx $3442 + xxxxxx Insurance Policy xxxxxx) resulting in short reserves in the amount of $3531. | Resolved | **Rebuttal 1 (09/09/2025 12:59PM)<br> attached <br>**  | **Response 1 (09/11/2025 8:15AM)<br> It could not be determined if the projected figure had been adjusted for loan balance. Please provided a current reconciled cash surrender value. (Upheld)<br>Response 2 (09/12/2025 3:40PM)<br> Upon further review assets required are accounted for after recalculation. (Void)<br>**  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849853 | 5 of 8 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Per the guidelines a Chapter 7 bankruptcy must be discharged, a minimum of twelve months prior to the Note Date. The length of time is measured from the discharge or dismissed date. The bankruptcy and Notice of filing under Chapter 7 identifies that the Borrowed filed on xxxxxx, however the loan file is missing documents to support the date that Chapter 7 bankruptcy was discharged or dismissed. | Resolved | **Rebuttal 1 (09/05/2025 2:21PM)<br> The bankruptcy is not on credit or the xxxxxx report. Please provide the source of this information? <br>**  | **Response 1 (09/09/2025 6:33AM)<br> PACER reflected the BK. The discharge information was also provided. Discharged xxxxxx. (Void)<br>**  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849853 | 6 of 8 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Per the guidelines non-borrowing guarantors must provide a limited application with name, address, DOB, SSN and citizenship. Additional ID such as a driver's license or passport is required. A credit report and fraud report, along with authorization to pull must be obtained with the guarantor meeting the minimum credit score requirements. The second member, xxxxxx signed the Guaranty Agreement however, the file is missing all other required documentation. Guideline requirement have not been met. | Resolved | **Rebuttal 1 (09/04/2025 3:05PM)<br> attached<br>Rebuttal 2 (09/08/2025 3:20PM)<br> Please see attached.<br>Rebuttal 3 (09/09/2025 12:52PM)<br> attached<br>Rebuttal 4 (09/10/2025 7:29PM)<br> attached<br>**  | **Response 1 (09/08/2025 7:16AM)<br> Photo ID is not legible. (Upheld)<br>Response 2 (09/10/2025 9:06AM)<br> Borrower ID received a second time. Still need xxxxxx ID. (Upheld)<br>Response 3 (09/12/2025 6:41AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849853 | 7 of 8 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Lender Exception provided to proceed with refinance for Borrow with 699 FICO and LTV greater than 65%. Determined non-material based on compensating factors. | Waived |  |  |  | Compensating Factors: Experienced Investor, Repeat xxxxxx Client | 2 | 2 | 3 | 2 |
| xxxxxx | 849853 | 8 of 8 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supported the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 848386 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/02/2025 9:08AM)<br> Docs uploaded.<br>**  | **Response 1 (09/02/2025 9:10AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848386 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848386 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.3. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849897 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/17/2025 9:48AM)<br> Docs uploaded.<br>**  | **Response 1 (09/17/2025 10:03AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 849897 | 2 of 4 | xxxxxx | xxxxxx | Compliance | Security Instrument - Name Discrepancy | xxxxxx | The vested interest on the security instrument could not be verified as accurate. Although there was a Warranty deed in the file, it was not executed. | Resolved | **Rebuttal 1 (09/15/2025 4:23PM)<br> signed warranty deed<br>**  | **Response 1 (09/17/2025 10:03AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 849897 | 3 of 4 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 849897 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx supportive of value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 848365 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/11/2025 11:59AM)<br> Docs uploaded.<br>**  | **Response 1 (09/11/2025 12:10PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848365 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848365 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849854 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/18/2025 3:39PM)<br> Docs uploaded.<br>**  | **Response 1 (09/18/2025 3:41PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 849854 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849854 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849855 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 849855 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 849855 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 848367 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (08/28/2025 8:10AM)<br> Docs uploaded.<br>**  | **Response 1 (08/28/2025 8:10AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 848367 | 2 of 4 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | Per guidelines: Borrower must provide a 12 month history of rental income from a currently owned short term rental equal to the forecasted income of the subject property to support their experience. Proof of 12 months experience is missing from the loan file. | Waived | **Rebuttal 1 (09/04/2025 8:04AM)<br> Please see the attached exception<br>**  | **Response 1 (09/08/2025 7:52AM)<br> Waiver granted by Investor. (Waived)<br>**  |  | 771 score. 76.5% LTV. 11 months of reserves. | 3 | 2 | 3 | 2 |
| xxxxxx | 848367 | 3 of 4 | xxxxxx | xxxxxx | Credit | Verification Documentation - VOR | xxxxxx | The VOR in file for the borrowers primary residence is from a private party which requires 12 months canceled checks to support. The canceled checks are missing from the loan file. | Resolved | **Rebuttal 1 (08/29/2025 9:40AM)<br> Instead of cancelled checks, we have bank statements showing rent transaction history. This can be considered. Please see the attached example screenshot<br>**  | **Response 1 (09/03/2025 2:18PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 848367 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 848369 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/10/2025 10:59AM)<br> Docs uploaded.<br>**  | **Response 1 (09/10/2025 11:00AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848369 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848369 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848389 | 1 of 5 | xxxxxx | xxxxxx | Compliance | HUD1 - Not Final | xxxxxx | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. HUD1 in file is not stamped or signed by borrower and has Preliminary across it. | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 848389 | 2 of 5 | xxxxxx | xxxxxx | Credit | Appraisal - Other | xxxxxx | The loan file contains a lender exception for using appraisal form xxxxxx instead of required form xxxxxx. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: >12 months PITI, LTV 5% less than max | 2 | 2 | 2 | 2 |
| xxxxxx | 848389 | 3 of 5 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception for borrower experience, inexperienced borrowers not allowed on 5-10 properties, recently inherited. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: >12 months PITI, LTV 5% less than max | 2 | 2 | 2 | 2 |
| xxxxxx | 848389 | 4 of 5 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception subject is a xxxxxx family, guidelines require each unit is to be a minimum of 500 sq feet but xxxxxx of the units are only xxxxxx each. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: >12 months PITI, LTV 5% less than max | 2 | 2 | 2 | 2 |
| xxxxxx | 848389 | 5 of 5 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 848391 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 848391 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 848391 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 849859 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/11/2025 10:22AM)<br> Docs uploaded.<br>**  | **Response 1 (09/11/2025 10:28AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 849859 | 2 of 3 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Per the guidelines non-borrowing guarantors must provide a limited application with name, address, DOB, SSN and citizenship. Additionally, ID such as a driver's license or passport is required. A credit report and fraud report, along with authorization to pull must be obtained with the guarantor meeting the minimum credit score requirements. The second member, xxxxxx signed the Guaranty Agreement however, the file is missing all other required documentation. | Resolved | **Rebuttal 1 (09/09/2025 11:39AM)<br> Please see attached guarantor docs for xxxxxx. <br>**  | **Response 1 (09/11/2025 8:18AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 849859 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided and supports original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 848368 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 848368 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 848368 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 849896 | 1 of 5 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 849896 | 2 of 5 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 849896 | 3 of 5 | xxxxxx | xxxxxx | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | xxxxxx | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal fee. A cost to cure in the amount of $200.00 is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (09/22/2025 12:50PM)<br> cure issued<br>**  | **Response 1 (09/24/2025 11:52AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 2 | 3 | 2 |
| xxxxxx | 849896 | 4 of 5 | xxxxxx | xxxxxx | Credit | Income - Other | xxxxxx | The loan file is missing income documentation supporting the borrowers qualifying income of $38,486.64/mo. Additional conditions may apply as it is unclear how the lender qualified the borrowers income therefore more specific findings cannot be provided at time of audit. | Resolved | **Rebuttal 1 (09/17/2025 4:41PM)<br> asset bank statement<br>**  | **Response 1 (09/19/2025 10:57AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 4 | 1 | 3 | 2 |
| xxxxxx | 849896 | 5 of 5 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 848362 | 1 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 848362 | 2 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx.Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 848362 | 3 of 4 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 848362 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 848372 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (08/28/2025 8:20AM)<br> Docs uploaded.<br>**  | **Response 1 (08/28/2025 8:20AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 848372 | 2 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file is missing the required Appraisal Completion Report. Additonal condtions may apply. | Resolved | **Rebuttal 1 (08/27/2025 4:16PM)<br> Please see the attached<br>**  | **Response 1 (08/29/2025 7:26AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 848372 | 3 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception to allow the use of the lease agreement for two years beginning xxxxxx for $1,475 a month rent confirmed by appraisal. xxxxxx guidelines require if lease amount is higher than 1007 requires two months' rent receipts. Determine non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score 722, | 2 | 2 | 3 | 2 |
| xxxxxx | 848372 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 848357 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/11/2025 9:15AM)<br> Docs uploaded.<br>**  | **Response 1 (09/11/2025 9:15AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 848357 | 2 of 3 | xxxxxx | xxxxxx | Credit | Hazard Insurance - Missing/Insufficient | xxxxxx | Per the guidelines, liability coverage in the minimum amount of $100,000.00 is required. There is an email document in the loan file from xxxxxx stating xxxxxx has xxxxxx in liability coverage but the policy and premium are missing from the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (09/05/2025 6:32PM)<br> attached <br>**  | **Response 1 (09/09/2025 6:42AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 848357 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.0. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 849894 | 1 of 5 | xxxxxx | xxxxxx | Compliance | ROR - Timing | xxxxxx | 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, xxxxxx is before the third business day following consummation, xxxxxx. | Resolved | **Rebuttal 1 (09/22/2025 2:01PM)<br> attached <br>Rebuttal 2 (09/30/2025 9:15AM)<br> Re-opened rescission.<br>**  | **Response 1 (09/24/2025 11:38AM)<br> The documentation provided is not sufficient to clear the finding. The CD issued on xxxxxx was provided in the original loan file and doe snot address the issue. The loan closed on xxxxxx and the borrower has until midnight of xxxxxx to rescind. The Final CD issued on xxxxxx discloses the funding date as xxxxxx; the loan funded prior to the end of the rescission period. Please provide evidence of funding of loan. (Upheld)<br>Response 2 (09/30/2025 9:18AM)<br> There-opened rescission expired at midnight on xxxxxx clearing the exception.(Resolved)<br>**  |  |  | 3 | 2 | 3 | 2 |
| xxxxxx | 849894 | 2 of 5 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on xxxxxx. Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 849894 | 3 of 5 | xxxxxx | xxxxxx | Credit | Debts - Not Verified | xxxxxx | The borrower owns 2 rental properties located at xxxxxx and xxxxxx. The file is missing the required verification of HOI for both properties. | Resolved | **Rebuttal 1 (09/15/2025 2:05PM)<br> attached<br>**  | **Response 1 (09/17/2025 8:01AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849894 | 4 of 5 | xxxxxx | xxxxxx | Credit | Income - Other/Missing | xxxxxx | The borrower was qualified under the 24 months bank statement program. The file is missing the required bank statements from 06/2024 - 01/2024. | Resolved | **Rebuttal 1 (09/15/2025 3:13PM)<br> It appears that the Bank Statements were split accounts, as in they used one account for part of it and moved to another account for the rest of the analysis. xxxxxx for the months in question are attached.<br>**  | **Response 1 (09/17/2025 7:58AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849894 | 5 of 5 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 848374 | 1 of 3 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee, Desk Review Fee. However, these fees should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 848374 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 848374 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated xxxxxx which supported the appraised value. CU score is 2.5. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 848375 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/02/2025 10:14AM)<br> Docs uploaded.<br>**  | **Response 1 (09/02/2025 10:15AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 848375 | 2 of 3 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | Guarantors are required to complete a limited application that includes their name, address, date or birth, social security number and citizenship. Authorization to pull credit report and background report are required along with the guarantor's credit score meeting the minimum program guidelines. The required documents are missing for xxxxxx. | Resolved | **Rebuttal 1 (08/26/2025 10:27PM)<br> guarantor docs<br>**  | **Response 1 (08/27/2025 5:45PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 848375 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 848377 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/11/2025 11:06AM)<br> Docs uploaded.<br>**  | **Response 1 (09/11/2025 11:08AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 848377 | 2 of 3 | xxxxxx | xxxxxx | Credit | Hazard Insurance - Missing/Insufficient | xxxxxx | Per the guidelines, liability coverage in the minimum amount of $100,000.00 is required. The hazard policy does not reflect any liability coverage. | Resolved | **Rebuttal 1 (09/05/2025 6:00PM)<br> Email from ins agent attached.<br>**  | **Response 1 (09/09/2025 6:46AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 848377 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 848363 | 1 of 3 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 848363 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 848363 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an SSR dated xxxxxx with a CU score over 2.5; however, the loan file also contained a CDA dated xxxxxx which supports the appraised value. The CDA was a second valuation product, per the rating agencies, this is graded as an xxxxxx. | Resolved | **Rebuttal 1 (08/20/2025 1:16PM)<br> Ok with xxxxxx<br>**  | **Response 1 (08/22/2025 7:26AM)<br> Upon further review this should be graded and xxxxxx. (Resolved)<br>**  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 849852 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/25/2025 4:21PM)<br> Docs uploaded.<br>**  | **Response 1 (09/25/2025 4:25PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 849852 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849852 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849890 | 1 of 6 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (10/03/2025 8:12AM)<br> Docs uploaded.<br>**  | **Response 1 (10/03/2025 8:13AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 849890 | 2 of 6 | xxxxxx | xxxxxx | Credit | DSCR - Missing background check | xxxxxx | The loan file is missing the background search to include a lien and judgment search for the borrowing entity xxxxxx. | Resolved | **Rebuttal 1 (09/10/2025 3:16PM)<br> Please see attached UCC search for entity.<br>**  | **Response 1 (09/12/2025 6:52AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849890 | 3 of 6 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Per guidelines, the source of funds for the delayed purchase transaction must be documented. The loan file does not include bank statements reflecting the source of funds for the original purchase transaction. | Resolved | **Rebuttal 1 (09/11/2025 12:06PM)<br> The loan closed as a cash out transaction and not delayedfinancing. The HUD was provided to document seasoning for cash out, not for usein delayed financing.Pleasenote the loan purpose is listed as cash out and it would have been listed as nocash out if it was delayed financing.<br>**  | **Response 1 (09/11/2025 12:08PM)<br> Upon further review subject loan was not a delayed financing transaction. (Void)<br>**  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849890 | 4 of 6 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains an exception to allow loan to close based on the deed signing date as opposed to the settlement statement date. Determined non material based on compensating factors. (waived) | Waived |  |  |  | comp factors: credit 733, LTV 46.354, reserves > $200k | 2 | 2 | 3 | 2 |
| xxxxxx | 849890 | 5 of 6 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains an exception to waive the foundation inspection for a property built in xxxxxx. Determined non material based on compensating factors. (waived) | Waived |  |  |  | comp factors: credit 733, LTV 46.354, reserves > $200k | 2 | 2 | 3 | 2 |
| xxxxxx | 849890 | 6 of 6 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849889 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Security Instrument - Incomplete | xxxxxx | The security instrument was not completed accurately. The Name of the Development on the PUD Rider is blank and does not match the PUD Development Name on the legal description, of the Security Instrument. | Resolved | **Rebuttal 1 (09/09/2025 5:37PM)<br> attached <br>**  | **Response 1 (09/11/2025 1:11PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849889 | 2 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 849889 | 3 of 4 | xxxxxx | xxxxxx | Credit | Debts - Not Verified | xxxxxx | The application and approval state the borrower obtained a Bridge Loan in the amount of xxxxxx. The file is missing the required Bridge Loan documentation to verify the first mortgage on the borrower's current primary home was paid off with the Bridge Loan. Otherwise, the DTI will exceed 50%. | Resolved | **Rebuttal 1 (09/08/2025 5:18PM)<br> attached <br>**  | **Response 1 (09/10/2025 10:34AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849889 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849888 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/15/2025 11:03AM)<br> Docs uploaded.<br>**  | **Response 1 (09/15/2025 11:05AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 849888 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849888 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849885 | 1 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on xxxxxx. Credit Report. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 849885 | 2 of 4 | xxxxxx | xxxxxx | Credit | Assets - Minimum Reserves | xxxxxx | The guidelines state 3 months or $$10,552 are required cash reserves. The file indicates the borrower is $4268 short reserves. No lender exception was provided. | Resolved | **Rebuttal 1 (09/12/2025 9:33AM)<br> Please see the attached HUD and statements totaling $240,372.72 in assets covering the CTC iao $218,578.52 and 3 months reserves iao $12,372.99 <br>Rebuttal 2 (09/16/2025 4:10PM)<br> Request to revisit as this LTV does not require reserves per guidelines<br>**  | **Response 1 (09/16/2025 9:13AM)<br> Funds calculated in rebuttal did not use the latest statement for xxxxxx xxxxxx. The 6/3/2025 statement was used. The 8/3/2025 statement for xxxxxx xxxxxx was used at review, which is just under $15,000 less. The shortage stands. (Upheld)<br>Response 2 (09/18/2025 12:23PM)<br> Explanation received is sufficient. (Void)<br>**  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 849885 | 3 of 4 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | The subject property is a Bridge Loan purchase. Guidelines allow for max cash back of $5000. The subject exceeds the max cash back of $5000. A lender Exception was provided to allow for the excessive cash back. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Borrower has a credit score of 792 and an LTV of 65%. | 2 | 2 | 2 | 2 |
| xxxxxx | 849885 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 849898 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/25/2025 11:44AM)<br> Docs uploaded.<br>**  | **Response 1 (09/25/2025 11:46AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 849898 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849898 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848358 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/12/2025 9:24AM)<br> Docs uploaded.<br>**  | **Response 1 (09/12/2025 9:25AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848358 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848358 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file also contained a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848359 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/12/2025 9:27AM)<br> Docs uploaded.<br>**  | **Response 1 (09/12/2025 9:28AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848359 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848359 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849910 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/16/2025 3:51PM)<br> Docs uploaded.<br>**  | **Response 1 (09/16/2025 3:53PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 849910 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849910 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848360 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Federal - HPML APR/Non-Compliant | xxxxxx | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR 9.286% and the calculated APR 9.2395%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: xxxxxx. The loan is a non-compliant HPML due to the following: Appraisal requirements have not been met. | Resolved | **Rebuttal 1 (08/22/2025 4:50PM)<br> appraisal delivery<br>**  | **Response 1 (08/26/2025 3:12PM)<br> The loan is a compliant Federal HPML, Appraisal requirements have been met.(Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 848360 | 2 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee and Desk Review Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 848360 | 3 of 4 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 848360 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The loan file contained a CDA dated xxxxxx which supported the appraised value. CU score is 1.8 |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849909 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/19/2025 4:11PM)<br> Docs uploaded.<br>**  | **Response 1 (09/19/2025 4:19PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 849909 | 2 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report. The file is missing the required documentation for xxxxxx. | Resolved | **Rebuttal 1 (09/17/2025 4:27PM)<br> guarantor docs<br>**  | **Response 1 (09/19/2025 10:36AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849909 | 3 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Lender Exception provided to proceed forward with pending litigation that appears to be settled between parties with no major financial risk to association. Lawsuit is not applicable to subject property or borrower and is not a structural or health and safety issue. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Experienced Investor, FICO 773 | 2 | 2 | 3 | 2 |
| xxxxxx | 849909 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849908 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/16/2025 3:54PM)<br> Docs uploaded.<br>**  | **Response 1 (09/16/2025 3:56PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 849908 | 2 of 3 | xxxxxx | xxxxxx | Credit | Appraisal - Other | xxxxxx | Per the appraisal photos there are xxxxxx issue comments and photos are required stating if there are xxxxxx. | Resolved | **Rebuttal 1 (09/16/2025 11:37AM)<br> appraisal <br>**  | **Response 1 (09/18/2025 1:03PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 849908 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 849907 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/10/2025 10:26AM)<br> Docs uploaded.<br>**  | **Response 1 (09/10/2025 10:33AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 849907 | 2 of 4 | xxxxxx | xxxxxx | Compliance | Security Instrument - Name Discrepancy | xxxxxx | The security instrument was not completed accurately. The Mortgage reflects vesting as an Entity; however, the current vesting on the Title Report reflects xxxxxx and xxxxxx. While a gift deed is included in the file to transfer interest to the Entity, the deed is not executed. | Resolved | **Rebuttal 1 (09/08/2025 11:21AM)<br> Please see the attached<br>**  | **Response 1 (09/10/2025 10:33AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 849907 | 3 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for xxxxxx (50% ownership of LLC). | Resolved | **Rebuttal 1 (09/08/2025 11:13AM)<br> Please see the attached. We don't pull Individual Background checks on DSCR. We just pull an Entity Background check and then we add the Guarantor's Individual name on the xxxxxx.<br>Rebuttal 2 (09/10/2025 11:14AM)<br> Request to revisit. The attached is a legible copy of xxxxxx ID. Please advise to which portion cannot be read or reviewed<br>Rebuttal 3 (09/11/2025 1:33PM)<br> Doc provided.<br>**  | **Response 1 (09/10/2025 10:30AM)<br> License for xxxxxx is not legible. (Upheld)<br>Response 2 (09/11/2025 1:34PM)<br> Legible copy of license provided. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 849907 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.0. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 848384 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/09/2025 5:12PM)<br> Docs uploaded.<br>**  | **Response 1 (09/09/2025 5:15PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848384 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848384 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2.2. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848387 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (08/27/2025 11:13AM)<br> Docs uploaded.<br>**  | **Response 1 (08/27/2025 11:33AM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848387 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848387 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848379 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/02/2025 11:06AM)<br> Docs uploaded.<br>**  | **Response 1 (09/02/2025 11:08AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848379 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848379 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849905 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Exhibit B of the Loan Agreement does not reflect the execution date. | Resolved | **Rebuttal 1 (09/09/2025 6:27PM)<br> attached <br>**  | **Response 1 (09/11/2025 12:45PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 849905 | 2 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/11/2025 12:44PM)<br> Docs uploaded.<br>**  | **Response 1 (09/11/2025 12:44PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 849905 | 3 of 4 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 849905 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.5. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 848388 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/09/2025 9:05AM)<br> Docs uploaded.<br>**  | **Response 1 (09/09/2025 9:06AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 848388 | 2 of 3 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Per the guidelines non-borrowing guarantors must provide a limited application with name, address, DOB, SSN and citizenship. Additional ID such as a driver's license or passport is required. A credit report and fraud report, along with authorization to pull must be obtained with the guarantor meeting the minimum credit score requirements. The second member, xxxxxx, signed the Guaranty Agreement however, the file is missing all other required documentation. Guideline requirements have not been met. | Resolved | **Rebuttal 1 (09/04/2025 4:16PM)<br> guarantor docs<br>**  | **Response 1 (09/08/2025 7:47AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 848388 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 849903 | 1 of 3 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Desk Review Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 849903 | 2 of 3 | xxxxxx | xxxxxx | Credit | Assets - Cash to Close | xxxxxx | The file is missing verification of the stated Bridge Loan in the amount of xxxxxx on borrower's primary residence located at xxxxxx. Additional conditions may apply. | Resolved | **Rebuttal 1 (09/24/2025 2:23PM)<br> Please see the attached<br>**  | **Response 1 (09/26/2025 6:33AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849903 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849902 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/12/2025 11:32AM)<br> Docs uploaded.<br>**  | **Response 1 (09/12/2025 11:32AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 849902 | 2 of 4 | xxxxxx | xxxxxx | Compliance | Security Instrument - Incomplete | xxxxxx | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The 1-4 Family Rider is missing Page 3. | Resolved | **Rebuttal 1 (09/10/2025 3:29PM)<br> attached<br>**  | **Response 1 (09/12/2025 11:32AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849902 | 3 of 4 | xxxxxx | xxxxxx | Credit | Condo - Other | xxxxxx | Lender Exception provided for "Investor concentration at 77%." Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Low DTI, Excess Reserves, Great Credit | 2 | 2 | 3 | 2 |
| xxxxxx | 849902 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849861 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/25/2025 9:18AM)<br> Docs uploaded.<br>**  | **Response 1 (09/25/2025 9:19AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 849861 | 2 of 3 | xxxxxx | xxxxxx | Credit | Appraisal - Other | xxxxxx | Per the guidelines, properties must contain a full kitchen. The appraiser indicates appliances for subject property include a xxxxxx, however, photo of the kitchen does not indicate a xxxxxx is in place. Please provide evidence of the stove being installed. | Resolved | **Rebuttal 1 (09/26/2025 11:19AM)<br> xxxxxx <br>**  | **Response 1 (09/30/2025 8:10AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 849861 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second appraisal completed on xxxxxx which supports the value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| xxxxxx | 848383 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/12/2025 4:50PM)<br> Docs uploaded.<br>**  | **Response 1 (09/12/2025 4:52PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848383 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848383 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849880 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/26/2025 5:10PM)<br> Docs uploaded.<br>**  | **Response 1 (09/26/2025 5:11PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 849880 | 2 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | Borrower 1 was 50%/50% owner of the borrowing entity, xxxxxx, with a non-borrower, xxxxxx. Lender guidelines require Personal Guaranty to be signed by one or more owners representing a majority ownership (51%). The loan file contained the Guaranty for both guarantors as required. However, the loan file did not contain a 1) limited application that includes name, address, date of birth, social security, and citizenship 2) authorization for credit report and 3) background check. Additional conditions may apply. | Resolved | **Rebuttal 1 (09/24/2025 4:21PM)<br> attached <br>**  | **Response 1 (09/26/2025 6:19AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849880 | 3 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception to allow xxxxxx. xxxxxx guidelines state no rural properties. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score 785, experienced investor. | 2 | 2 | 3 | 2 |
| xxxxxx | 849880 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849878 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/19/2025 4:36PM)<br> Docs uploaded.<br>**  | **Response 1 (09/19/2025 4:40PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 849878 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849878 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848376 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/10/2025 10:35AM)<br> Docs uploaded.<br>**  | **Response 1 (09/10/2025 10:36AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 848376 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 848376 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA was provided dated xxxxxx and supported the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849876 | 1 of 5 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/12/2025 5:02PM)<br> Docs uploaded.<br>**  | **Response 1 (09/12/2025 5:04PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 2 |
| xxxxxx | 849876 | 2 of 5 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | The file does not contain verification of the borrowers short term rental experience. Per guidelines "Borrower must show a history of owning and managing a minimum of 1 vacation rental in the same short term rental market for at least 12 months in the last 36 months" | Resolved | **Rebuttal 1 (09/10/2025 3:55PM)<br> xxxxxx is a short-term rental; borrower acquired it in xxxxxx - plesae see attached <br>**  | **Response 1 (09/12/2025 6:33AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849876 | 3 of 5 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | The lender provided an exception to allow a for 1 comp located outside the subject project. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: 805 FICO, experienced investor | 2 | 2 | 3 | 2 |
| xxxxxx | 849876 | 4 of 5 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | The lender provided an exception to allow the transaction to proceed as a xxxxxx despite the appropriate box on the condo questionnaire not being checked. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: 805 FICO, experienced investor | 2 | 2 | 3 | 2 |
| xxxxxx | 849876 | 5 of 5 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849875 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/19/2025 4:53PM)<br> Docs uploaded.<br>**  | **Response 1 (09/19/2025 4:58PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 849875 | 2 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception for the borrower living rent free, verification of lease and 2 months' rent is not available. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >1.0, 794 FICO | 2 | 2 | 2 | 2 |
| xxxxxx | 849875 | 3 of 4 | xxxxxx | xxxxxx | Credit | Program Parameters - Property Type | xxxxxx | The loan file contains a lender exception to waive the foundation inspection; property built prior to 1925. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >1.0, 794 FICO | 2 | 2 | 2 | 2 |
| xxxxxx | 849875 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 849874 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/19/2025 4:59PM)<br> Docs uploaded.<br>**  | **Response 1 (09/19/2025 5:01PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 2 |
| xxxxxx | 849874 | 2 of 4 | xxxxxx | xxxxxx | Credit | Appraisal - Other | xxxxxx | The loan file contains a lender exception to waive the foundation inspection; property built prior to 1925. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >1.0, 794 FICO | 2 | 2 | 2 | 2 |
| xxxxxx | 849874 | 3 of 4 | xxxxxx | xxxxxx | Credit | DSCR - Program Parameters - Other | xxxxxx | The loan file contains a lender exception for the borrower living rent free, verification of lease and 2 months' rent is not available. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR >1.0, 794 FICO | 2 | 2 | 2 | 2 |
| xxxxxx | 849874 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 849872 | 1 of 5 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 849872 | 2 of 5 | xxxxxx | xxxxxx | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | xxxxxx | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: The Closing Disclosure was not received by the borrower prior to the Consummation Date. The CD issued on xxxxxx was signed and dated xxxxxx which is after consummation, xxxxxx. | Resolved | **Rebuttal 1 (09/24/2025 5:03PM)<br> The CD dated xxxxxx was delivered in person and was wet-signed by borrower on xxxxxx. Please see attached. <br>**  | **Response 1 (09/26/2025 11:01AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849872 | 3 of 5 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 849872 | 4 of 5 | xxxxxx | xxxxxx | Credit | Assets - Cash to Close | xxxxxx | The file is missing verification of the stated Bridge Loan in the amount of xxxxxx from the sale of the borrowers primary residence located at xxxxxx. Additional conditions may apply. | Resolved | **Rebuttal 1 (09/23/2025 7:07PM)<br> attached <br>**  | **Response 1 (09/24/2025 7:12PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849872 | 5 of 5 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx supportive of value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849871 | 1 of 3 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as "Other"; however, it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  | 2 | 2 | 2 | 2 |
| xxxxxx | 849871 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 849871 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| xxxxxx | 849870 | 1 of 6 | xxxxxx | xxxxxx | Compliance | Federal - HPML APR/Compliant | xxxxxx | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR 9.252% and the calculated APR 9.186, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: xxxxxx. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849870 | 2 of 6 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 849870 | 3 of 6 | xxxxxx | xxxxxx | Credit | Program Parameters - LTV | xxxxxx | The LTV does not meet the program eligibility guidelines. Guidelines state the max LTV for a purchase with a gift funds is 80%. The subject closed with an LTV of 90%. A lender Exception was provided for the increase of the LTV to 90%. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Borrower has a 726 credit score and a DTI of 29.433%. | 2 | 2 | 3 | 2 |
| xxxxxx | 849870 | 4 of 6 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | The borrower is using $7K in gift funds to close. The gift letter states the gift funds are from the borrowers girlfriend. A lender Exception was provided to allow for the gift funds from the borrower's girlfriend. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Borrower has a 726 credit score and a DTI of 29.433%. | 2 | 2 | 3 | 2 |
| xxxxxx | 849870 | 5 of 6 | xxxxxx | xxxxxx | Credit | Verification Documentation - VOE/Missing | xxxxxx | Borrower was qualified as a 1099 employee of xxxxxx. Guidelines require proof that the business is active by a third-party source dated within 10 days of the note. No documentation was provided to confirm. | Resolved | **Rebuttal 1 (09/17/2025 4:32PM)<br> attached <br>**  | **Response 1 (09/19/2025 11:11AM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849870 | 6 of 6 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849867 | 1 of 3 | xxxxxx | xxxxxx | Compliance | No Compliance Findings | xxxxxx | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 849867 | 2 of 3 | xxxxxx | xxxxxx | Credit | Appraisal - Other | xxxxxx | The appraisal transfer letter on the originating lenders letterhead is missing from the loan file. | Resolved | **Rebuttal 1 (09/15/2025 1:09PM)<br> This is table funded loan; no appraisal transfer letter is required. <br>**  | **Response 1 (09/17/2025 8:33AM)<br> Explanation received is sufficient. (Void)<br>**  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 849867 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| xxxxxx | 849865 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/15/2025 11:35AM)<br> Docs uploaded.<br>**  | **Response 1 (09/15/2025 11:36AM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 849865 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849865 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated xxxxxx which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849864 | 1 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Loan Information/Loan Type | xxxxxx | The CD issued on xxxxxx does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 849864 | 2 of 4 | xxxxxx | xxxxxx | Compliance | TRID - CD - Section B incorrect payee | xxxxxx | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on xxxxxx. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  | 2 | 2 | 3 | 2 |
| xxxxxx | 849864 | 3 of 4 | xxxxxx | xxxxxx | Credit | Income - Other | xxxxxx | The loan application reflects income of $3750 for second borrower , xxxxxx. The loan file contains proof business is active within 10 days of note date, xxxxxx 1099 transcript along with bank statements reflecting YTD earnings. Based on the documents provided in the loan file the lender used greater than a 10% expense factor; however, a 3rd party prepared P&L was not provided in the loan file to confirm the expense factor. Reviewer unable to confirm income of $3750. | Resolved | **Rebuttal 1 (09/22/2025 12:30PM)<br> the UW used OPTION one on the borrower's income which didn't require further documentation. <br>**  | **Response 1 (09/24/2025 2:35PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| xxxxxx | 849864 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1 |  |  |  |  |  | 1 | 1 | 3 | 2 |
| xxxxxx | 849862 | 1 of 3 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (09/26/2025 5:21PM)<br> Docs uploaded.<br>**  | **Response 1 (09/26/2025 5:23PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 2 | 1 |
| xxxxxx | 849862 | 2 of 3 | xxxxxx | xxxxxx | Credit | No Credit Findings | xxxxxx | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849862 | 3 of 3 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated xxxxxx, which supports the appraised value |  |  |  |  |  | 1 | 1 | 2 | 1 |
| xxxxxx | 849912 | 1 of 4 | xxxxxx | xxxxxx | Compliance | Note - Incomplete | xxxxxx | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (09/25/2025 4:32PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **Response 1 (09/25/2025 4:38PM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| xxxxxx | 849912 | 2 of 4 | xxxxxx | xxxxxx | Credit | Debts - Not Verified | xxxxxx | The application lists 4 investment properties owned by the borrower. The file is missing verification of PITI for all rentals owned except xxxxxx. | Resolved | **Rebuttal 1 (09/22/2025 7:27PM)<br> attached. For property, xxxxxx, the scheduled closing date is xxxxxx<br>**  | **Response 1 (09/24/2025 2:04PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 849912 | 3 of 4 | xxxxxx | xxxxxx | Credit | Program Parameters - Other | xxxxxx | According to guidelines guarantors are required to provide a loan application, authorization for a credit report and background report as well as identification documents. The loan file did not contains ID documentation; however none of the other required documentation for the non borrowing guarantor, xxxxxx. | Resolved | **Rebuttal 1 (09/22/2025 7:12PM)<br> attached<br>**  | **Response 1 (09/24/2025 2:06PM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| xxxxxx | 849912 | 4 of 4 | xxxxxx | xxxxxx | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | xxxxxx | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 3 | 1 |

---

## Exhibit 99.24

**EXHIBIT 99.24**

**DIGITAL RISK RATING AGENCY GRADES**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| xxxxxx | 833976 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833977 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833979 | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 833980 | xxxxxx | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xxxxxx | 833981 | xxxxxx | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xxxxxx | 833982 | xxxxxx | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| xxxxxx | 833983 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 833984 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 833985 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833986 | xxxxxx | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| xxxxxx | 833987 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 833988 | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 833989 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833990 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833991 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833992 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 833993 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 833994 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 833995 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 833996 | xxxxxx | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| xxxxxx | 833997 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 833999 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 834002 | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 834004 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 834005 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 848357 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 848358 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848359 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848360 | xxxxxx | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 848362 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 848363 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 848364 | xxxxxx | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 848365 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848367 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 848368 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 848369 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848372 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 848374 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 848375 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 848376 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848377 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 848379 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848383 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848384 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848385 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848386 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848387 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 848388 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 848389 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 848391 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 849852 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849853 | xxxxxx | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 849854 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849855 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 849859 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 849861 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 849862 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849864 | xxxxxx | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| xxxxxx | 849865 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849867 | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 849870 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| xxxxxx | 849871 | xxxxxx | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 849872 | xxxxxx | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 849874 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849875 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849876 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 849878 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849880 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 849885 | xxxxxx | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| xxxxxx | 849888 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849889 | xxxxxx | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 849890 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 849894 | xxxxxx | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| xxxxxx | 849896 | xxxxxx | 3 | 2 | 4 | 1 | 3 | 2 | 1 | 1 C B D A |
| xxxxxx | 849897 | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 849898 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849902 | xxxxxx | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| xxxxxx | 849903 | xxxxxx | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| xxxxxx | 849905 | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 849907 | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 849908 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| xxxxxx | 849909 | xxxxxx | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| xxxxxx | 849910 | xxxxxx | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| xxxxxx | 849912 | xxxxxx | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |

---

## Exhibit 99.25

**EXHIBIT 99.25**

**DIGITAL RISK DATA INTEGRITY REPORT**

---

| | |
|:---|:---|
| **Report Pulled:** | 11/19/2025 |
| **Loan Count:** | 84 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| xxxxxx | 833976 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.007 |
| xxxxxx | 833976 | xxxxxx | Origination PITIA | 2383.46 | 2383.47 |
| xxxxxx | 833976 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 833977 | xxxxxx | Debt Service Coverage Ratio | 1.35 | 1.437 |
| xxxxxx | 833979 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.002 |
| xxxxxx | 833979 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 833980 | xxxxxx | Debt Service Coverage Ratio | 1.176 | 1.157 |
| xxxxxx | 833980 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 833981 | xxxxxx | Debt Service Coverage Ratio | 1.132 | 1.111 |
| xxxxxx | 833981 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 833982 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.04 |
| xxxxxx | 833982 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 833983 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.629 |
| xxxxxx | 833984 | xxxxxx | Debt Service Coverage Ratio | 1.477 | 1.013 |
| xxxxxx | 833985 | xxxxxx | Originator Back-End DTI | 0 | 49.14 |
| xxxxxx | 833986 | xxxxxx | Originator Back-End DTI | 0 | 26.192 |
| xxxxxx | 833987 | xxxxxx | Originator Back-End DTI | 0 | 44.817 |
| xxxxxx | 833988 | xxxxxx | Originator Back-End DTI | 0 | 21.599 |
| xxxxxx | 833989 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 833989 | xxxxxx | Originator Back-End DTI | 0 | 32.11 |
| xxxxxx | 833990 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.24 |
| xxxxxx | 833991 | xxxxxx | Originator Back-End DTI | 0 | 38.49 |
| xxxxxx | 833992 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.477 |
| xxxxxx | 833993 | xxxxxx | Origination PITIA | 2307.01 | 2298.43 |
| xxxxxx | 833993 | xxxxxx | Originator Back-End DTI | 0 | 22.114 |
| xxxxxx | 833994 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.351 |
| xxxxxx | 833994 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 833995 | xxxxxx | Originator Back-End DTI | 0 | 41.022 |
| xxxxxx | 833996 | xxxxxx | Originator Back-End DTI | 0 | 48.972 |
| xxxxxx | 833997 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.461 |
| xxxxxx | 833999 | xxxxxx | Originator Back-End DTI | 0 | 18.594 |
| xxxxxx | 834002 | xxxxxx | Debt Service Coverage Ratio | 1.087 | 1.008 |
| xxxxxx | 834004 | xxxxxx | Originator Back-End DTI | 0 | 28.462 |
| xxxxxx | 834005 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.587 |
| xxxxxx | 848357 | xxxxxx | Debt Service Coverage Ratio | 1.011 | 0.812 |
| xxxxxx | 848357 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 848358 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.358 |
| xxxxxx | 848358 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 848359 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.799 |
| xxxxxx | 848359 | xxxxxx | Origination PITIA | 856.45 | 820.12 |
| xxxxxx | 848360 | xxxxxx | Originator Back-End DTI | 0 | 43.778 |
| xxxxxx | 848362 | xxxxxx | Originator Back-End DTI | 0 | 14.767 |
| xxxxxx | 848363 | xxxxxx | Originator Back-End DTI | 0 | 44.549 |
| xxxxxx | 848364 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.035 |
| xxxxxx | 848365 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.028 |
| xxxxxx | 848365 | xxxxxx | Origination PITIA | 2912.53 | 2917.53 |
| xxxxxx | 848367 | xxxxxx | Originator Back-End DTI | 0.769 | 41.146 |
| xxxxxx | 848368 | xxxxxx | Originator Back-End DTI | 0 | 32.773 |
| xxxxxx | 848369 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.066 |
| xxxxxx | 848372 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.304 |
| xxxxxx | 848372 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 848374 | xxxxxx | Originator Back-End DTI | 0 | 11.351 |
| xxxxxx | 848375 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 848375 | xxxxxx | Originator Back-End DTI | 0 | 42.476 |
| xxxxxx | 848376 | xxxxxx | Debt Service Coverage Ratio | 1.26 | 1.333 |
| xxxxxx | 848377 | xxxxxx | Debt Service Coverage Ratio | 2.043 | 1.528 |
| xxxxxx | 848377 | xxxxxx | Loan Purpose | Cash-Out Refinance | Rate/Term Refinance -- Borrower initiated |
| xxxxxx | 848379 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.363 |
| xxxxxx | 848383 | xxxxxx | Amortization Term in Months | 480 | 360 |
| xxxxxx | 848383 | xxxxxx | Debt Service Coverage Ratio | 0 | 0.918 |
| xxxxxx | 848383 | xxxxxx | Origination PITIA | 10347.39 | 10347.38 |
| xxxxxx | 848384 | xxxxxx | Amortization Term in Months | 480 | 360 |
| xxxxxx | 848384 | xxxxxx | Debt Service Coverage Ratio | 1.254 | 1.183 |
| xxxxxx | 848384 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 848385 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.36 |
| xxxxxx | 848385 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 848386 | xxxxxx | Debt Service Coverage Ratio | 1.989 | 1.039 |
| xxxxxx | 848386 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 848387 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.29 |
| xxxxxx | 848388 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.334 |
| xxxxxx | 848389 | xxxxxx | Amortization Term in Months | 360 | 240 |
| xxxxxx | 848389 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.426 |
| xxxxxx | 848389 | xxxxxx | Origination PITIA | 6316.01 | 5678.35 |
| xxxxxx | 848389 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 848389 | xxxxxx | The Original Principal and Interest Payment Amount (or Original IO payment) | xxxxxx | xxxxxx |
| xxxxxx | 848391 | xxxxxx | Originator Back-End DTI | 0 | 34.504 |
| xxxxxx | 849852 | xxxxxx | Debt Service Coverage Ratio | 1.067 | 1.035 |
| xxxxxx | 849853 | xxxxxx | Debt Service Coverage Ratio | 1.002 | 0.956 |
| xxxxxx | 849854 | xxxxxx | Debt Service Coverage Ratio | 1.009 | 0.765 |
| xxxxxx | 849854 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849855 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.019 |
| xxxxxx | 849859 | xxxxxx | Debt Service Coverage Ratio | 1.773 | 1.475 |
| xxxxxx | 849861 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.09 |
| xxxxxx | 849861 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849862 | xxxxxx | Debt Service Coverage Ratio | 1.261 | 1.449 |
| xxxxxx | 849862 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849864 | xxxxxx | Originator Back-End DTI | 0 | 43.703 |
| xxxxxx | 849865 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.666 |
| xxxxxx | 849867 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.21 |
| xxxxxx | 849867 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849870 | xxxxxx | Originator Back-End DTI | 0 | 29.433 |
| xxxxxx | 849871 | xxxxxx | Originator Back-End DTI | 0 | 43.718 |
| xxxxxx | 849872 | xxxxxx | Originator Back-End DTI | 0 | 34.846 |
| xxxxxx | 849874 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.431 |
| xxxxxx | 849874 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849875 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.515 |
| xxxxxx | 849875 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849876 | xxxxxx | Originator Back-End DTI | 0 | 32.481 |
| xxxxxx | 849878 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.404 |
| xxxxxx | 849878 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849880 | xxxxxx | Debt Service Coverage Ratio | 1.312 | 1.384 |
| xxxxxx | 849880 | xxxxxx | Loan Purpose | NoCash-Out Refinance | Cash Out: Other/Multipurpose/Unknown purpose |
| xxxxxx | 849880 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849885 | xxxxxx | Originator Back-End DTI | 0 | 45.938 |
| xxxxxx | 849888 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.069 |
| xxxxxx | 849889 | xxxxxx | Originator Back-End DTI | 0 | 43.351 |
| xxxxxx | 849890 | xxxxxx | Appraised Value | xxxxxx | xxxxxx |
| xxxxxx | 849890 | xxxxxx | Debt Service Coverage Ratio | 0 | 1 |
| xxxxxx | 849890 | xxxxxx | Loan Purpose | Cash-Out Refinance | Rate/Term Refinance -- Borrower initiated |
| xxxxxx | 849894 | xxxxxx | Originator Back-End DTI | 0 | 14.727 |
| xxxxxx | 849896 | xxxxxx | Originator Back-End DTI | 0 | 33.482 |
| xxxxxx | 849897 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849897 | xxxxxx | Originator Back-End DTI | 0 | 41.834 |
| xxxxxx | 849898 | xxxxxx | Debt Service Coverage Ratio | 1.005 | 1.018 |
| xxxxxx | 849902 | xxxxxx | Originator Back-End DTI | 0 | 41.813 |
| xxxxxx | 849903 | xxxxxx | Originator Back-End DTI | 0 | 49.29 |
| xxxxxx | 849905 | xxxxxx | Amortization Term in Months | 480 | 360 |
| xxxxxx | 849905 | xxxxxx | Debt Service Coverage Ratio | 0 | 1.07 |
| xxxxxx | 849907 | xxxxxx | Amortization Term in Months | 480 | 360 |
| xxxxxx | 849907 | xxxxxx | Debt Service Coverage Ratio | 1.434 | 1.719 |
| xxxxxx | 849908 | xxxxxx | Debt Service Coverage Ratio | 1.243 | 1.154 |
| xxxxxx | 849908 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849909 | xxxxxx | Debt Service Coverage Ratio | 1.124 | 1.018 |
| xxxxxx | 849909 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849910 | xxxxxx | Debt Service Coverage Ratio | 3.07 | 1.027 |
| xxxxxx | 849910 | xxxxxx | Origination/Note Date | xxxxxx | xxxxxx |
| xxxxxx | 849912 | xxxxxx | Originator Back-End DTI | 1.063 | 14.19 |

---

## Exhibit 99.26

**EXHIBIT 99.26**

**DIGITAL RISK QM STATUS REPORT**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **QM Status** | **ATR Status** |
| xxxxxx | 833976 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833977 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833979 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833980 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833981 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833982 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833983 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833984 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833985 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 833986 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 833987 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833988 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 833989 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833990 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833991 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 833992 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833993 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 833994 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833995 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 833996 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 833997 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 833999 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 834002 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 834004 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 834005 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848357 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848358 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848359 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848360 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 848362 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 848363 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 848364 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848365 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848367 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848368 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 848369 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848372 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848374 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 848375 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848376 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848377 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848379 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848383 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848384 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848385 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848386 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848387 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848388 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848389 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 848391 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849852 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849853 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849854 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849855 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849859 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849861 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849862 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849864 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849865 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849867 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849870 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849871 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849872 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849874 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849875 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849876 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849878 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849880 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849885 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849888 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849889 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849890 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849894 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849896 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849897 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849898 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849902 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849903 | xxxxxx | Non-QM Verified | N/A |
| xxxxxx | 849905 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849907 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849908 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849909 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849910 | xxxxxx | GQM Exempt - Business Purpose | N/A |
| xxxxxx | 849912 | xxxxxx | GQM Exempt - Business Purpose | N/A |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**DIGITAL RISK VALUATION REPORT**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 833976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 01/13/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| 833977 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 02/19/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/24/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833979 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 02/27/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 03/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833980 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 02/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 833981 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 02/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 833982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 02/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 833983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 12/16/2024 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 12/27/2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 02/03/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833985 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 02/07/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 03/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 833986 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 01/31/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 03/06/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| 833987 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 02/04/2025 | xxxxxx |  |  | Stable | xxxxxx | xxxxxx | 7.027% | 02/19/2025 | 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833988 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 02/26/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/28/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 02/24/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/27/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 833990 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 02/14/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833991 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 02/14/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833992 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 02/12/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 03/12/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 833993 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 01/29/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 03/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| 833994 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 03/06/2025 | xxxxxx |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 03/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 833995 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 02/25/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 03/06/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |
| 833996 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/19/2024 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 03/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| 833997 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 01/29/2025 | xxxxxx |  |  | Stable | xxxxxx | xxxxxx | 1.899% | 03/03/2025 | 1004 |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -20.886% | xxxxxx |  | 01/31/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 833999 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 02/22/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/24/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834002 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 02/27/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 03/03/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| 834004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 02/23/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 03/04/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| 834005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 02/17/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 02/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 848357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/18/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 848358 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/31/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| 848359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/31/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 8.000% | xxxxxx |  | 08/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 848360 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/06/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 848362 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/28/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/01/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 848363 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/23/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/04/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| 848364 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/03/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 06/26/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| 848365 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 07/19/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/28/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848367 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 07/03/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 848368 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 07/20/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 848369 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/09/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| 848372 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/25/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/08/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| 848374 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/24/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 848375 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/26/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/01/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 848376 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/11/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 848377 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 07/26/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/04/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848379 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 08/01/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848383 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/11/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 848384 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/10/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| 848385 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1025 | 06/09/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.897% | xxxxxx |  | 06/09/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/24/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| 848387 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/27/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/06/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| 848388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 08/05/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| 848389 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | Other | 07/12/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848391 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/11/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849852 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| 849853 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/05/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 06/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 849854 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/08/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 849855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/27/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| 849859 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/21/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| 849861 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 05/21/2025 | xxxxxx |  |  | Stable | xxxxxx | $0.00 | 0.000% | 08/29/2025 | 1004 |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -30.744% | xxxxxx |  | 08/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 849862 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/28/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/03/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/25/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/28/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849865 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/05/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| 849867 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/19/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/22/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 849870 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/21/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/27/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| 849871 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 08/13/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/26/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849872 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/18/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/25/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 849875 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 06/25/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 849876 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/27/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/28/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 849878 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/30/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 849880 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/19/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849885 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/28/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849888 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/31/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849889 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 07/26/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/04/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849890 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 07/29/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 07/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 849894 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 01/28/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 04/09/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849896 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/01/2025 | xxxxxx |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 14.280% | xxxxxx |  | 08/13/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| 849897 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 07/01/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 849898 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| 849902 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1073 | 08/08/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849903 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/06/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/12/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| 849905 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/05/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 849907 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1004 | 08/04/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.143% | xxxxxx |  | 08/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849908 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1025 | 08/01/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/07/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849909 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 07/31/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/05/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 849910 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | No | xxxxxx | xxxxxx | 1073 | 08/05/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 08/12/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 849912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | 1004 | 08/07/2025 | xxxxxx |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx |  | 09/03/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |

---

## Exhibit 99.28

**EXHIBIT 99.28**

**Clayton Services llc ("clayton") due diligence narrative report**

![](tm2532423d1_ex99-28img01.jpg)

![](tm2532423d1_ex99-28img02.jpg)

![](tm2532423d1_ex99-28img03.jpg)

**November 26, 2025<br> Due Diligence Narrative Report**![](tm2532423d1_ex99-28img01.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | 3 |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | 3 |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | 7 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **11** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

 ****

Verus 2025-12 Due Diligence Narrative Report Page \| 1 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-28img04.jpg) | **Michael Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-28img05.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 111 residential loans selected for Verus 2025-12. The loans referenced in this narrative report were reviewed from 5/2025 to 10/2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 111 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 107 | 96.40% |
| &nbsp;&nbsp;Retail | 4 | 3.60% |
| &nbsp;&nbsp;**Total** | **111** | **100.00%** |

---

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

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

Verus 2025-12 Due Diligence Narrative Report Page \| 2 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 111 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 111 |  |

---

Sponsor Acquisition Criteria

The loans were underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by Kroll Bond Rating Agency, LLC ("KBRA") and S&P Global Ratings ("S&P").

Verus 2025-12 Due Diligence Narrative Report Page \| 3 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

TPR Component Review Scope

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

&nbsp;&nbsp;&nbsp;&nbsp;Credit Review

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed
 that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ DSCR
 Loans- Reviewed lease agreements and third-party market rent
 documents to confirm compliance with Debt-Service-Coverage-Ratio requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by
 the Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and
 Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
 against loan documentation and assigned loan conditions accordingly.

&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (111 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU
 Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Drive
 By

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full
 Appraisal

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional desk reviews were ordered on loans with an acceptable CU score based on guidance from the seller.

Verus 2025-12 Due Diligence Narrative Report Page \| 4 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed
 compliance with state specific consumer protection laws by testing late charge and prepayment
 penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

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

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

Verus 2025-12 Due Diligence Narrative Report Page \| 5 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

Verus 2025-12 Due Diligence Narrative Report Page \| 6 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

Data Integrity

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

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

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

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

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

Data Capture

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

Verus 2025-12 Due Diligence Narrative Report Page \| 7 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **Accuracy %** |
| Borrower 1 Self Employed Flag | 1 | 99.10% |
| Borrower 1 Total Income | 9 | 91.89% |
| Borrower 2 First Name | 5 | 95.50% |
| Borrower 2 Last Name | 3 | 97.30% |
| Borrower DSCR Percent | 4 | 96.40% |
| Cash Reserves | 41 | 63.06% |
| Combined LTV | 19 | 82.88% |
| Credit Report Date | 1 | 99.10% |
| Debt to Income Ratio (Back) | 2 | 98.20% |
| Disbursement Date | 18 | 83.78% |
| Documentation Type | 7 | 93.69% |
| Loan Purpose | 5 | 95.50% |
| Months Reserves | 41 | 63.06% |
| Next Payment Change Date | 1 | 99.10% |
| Number of Units | 1 | 99.10% |
| Original Appraisal Date | 2 | 98.20% |
| Original Appraised Value | 2 | 98.20% |
| Original P&I | 2 | 98.20% |
| Origination Date | 2 | 98.20% |
| Prepay Penalty Flag | 1 | 99.10% |
| Prepay Penalty Term | 1 | 99.10% |
| Product Type | 8 | 92.79% |
| Property Type | 9 | 91.89% |
| Representative Credit Score for Grading | 1 | 99.10% |
| Sales Price | 1 | 99.10% |
| Total Cash Out | 47 | 57.66% |
| Total Monthly Income | 9 | 91.89% |

---

Verus 2025-12 Due Diligence Narrative Report Page \| 8 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 59 |  | 7 | 24 | **90** |
| **Final** | **B** |  | 11 | 4 | 6 | **21** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **59** | **11** | **11** | **30** | **111** |

---

**Initial and Final Overall Loan Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 59 |  | 7 | 24 | **90** |
| **Final** | **B** |  | 11 | 4 | 6 | **21** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **59** | **11** | **11** | **30** | **111** |

---

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

**Initial and Final Credit Component Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 69 |  | 5 | 18 | **92** |
| **Final** | B |  | 14 | 3 | 2 | **19** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **69** | **14** | **8** | **20** | **111** |

---

**Initial and Final Credit Component Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 69 |  | 5 | 18 | **92** |
| **Final** | B |  | 14 | 3 | 2 | **19** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **69** | **14** | **8** | **20** | **111** |

---

Verus 2025-12 Due Diligence Narrative Report Page \| 9 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

**Initial and Final Property Valuation Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 95 |  | 3 | 11 | **109** |
| **Final** | B |  | 2 |  |  | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **95** | **2** | **3** | **11** | **111** |

---

**Initial and Final Property Valuation Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 95 |  | 3 | 11 | **109** |
| **Final** | B |  | 2 |  |  | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **95** | **2** | **3** | **11** | **111** |

---

**Initial and Final Regulatory Compliance Grade Results (KBRA)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 63 |  | 1 | 2 | **66** |
| **Final** | B |  |  | 1 |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **63** | **0** | **2** | **2** | **67** |

---

**Initial and Final Regulatory Compliance Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 63 |  | 1 | 2 | **66** |
| **Final** | B |  |  | 1 |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **63** | **0** | **2** | **2** | **67** |

---

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

Verus 2025-12 Due Diligence Narrative Report Page \| 10 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

---

| |
|:---|
| &nbsp;&nbsp;1. ASF Report |
| &nbsp;&nbsp;2. ASF Supplement |
| &nbsp;&nbsp;3. Attestation Forms |
| &nbsp;&nbsp;4. Business Purpose Supplement |
| &nbsp;&nbsp;5. Conditions Report |
| &nbsp;&nbsp;6. Loan Level Tape Compare Upload |
| &nbsp;&nbsp;7. Narrative Report |
| &nbsp;&nbsp;8. Non/QM ATR Upload |
| &nbsp;&nbsp;9. Rating Agency Grades 2.0 |
| &nbsp;&nbsp;10. Valuation Summary Reports |

---

**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non-occupant co-borrower

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

- Maximum loan amount

- Loan purpose

- Occupancy

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

Verus 2025-12 Due Diligence Narrative Report Page \| 11 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

Verus 2025-12 Due Diligence Narrative Report Page \| 12 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

Verus 2025-12 Due Diligence Narrative Report Page \| 13 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

Verus 2025-12 Due Diligence Narrative Report Page \| 14 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed
 for any indication of property or marketability issues. Utilized the following key points in making determination:

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

Verus 2025-12 Due Diligence Narrative Report Page \| 15 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

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

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

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

&nbsp;&nbsp;&nbsp;&nbsp;o 3
 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2
 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable
 or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured
 or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel
 units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique
 properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working
 farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use
 properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 does not check to see if the appraiser is on the Freddie Mac exclusionary list

Verus 2025-12 Due Diligence Narrative Report Page \| 16 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

G. Desk Review definitions

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

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

**Appendix C: Regulatory Compliance Review Scope**

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

**<u>Federal Law</u>**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial
 Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms
 on the HUD1 correspond to the actual loan terms from the Note

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

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

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

Verus 2025-12 Due Diligence Narrative Report Page \| 17 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM
 Disclosure: confirm these disclosures are in the file within 3 days of application, or 3
 days of the borrower discussing ARM programs identified within the loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher
 Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal
 requirements (Section 35)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM
 Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014,
 confirm the loan file contains documentation to evidence the lender considered and verified
 the borrower has the ability to repay in accordance with the ATR requirements This included
 identifying whether QM loans met agency exemptions or were underwritten in accordance with
 Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered
 and verified the 8 underwriting factors as required for ATR compliance. This review also
 includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE")
 and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application
 forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application
 forms must contain the required disclaimer ("Your actual rate, payment, and costs could
 be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 LE was delivered or placed in the mail within 3 business days of the broker or lender receiving
 an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 loan does not consummate (Clayton looks to the later of the note date or notary date) until
 the later of seven business days after the LE is delivered or placed in the mail and three
 business days after the CD (or Corrected CD when a new three-day waiting period is triggered)
 is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That
 a revised LE or CD is provided within three business days of the lender having knowledge
 of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero
 and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If
 a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 number of columns and timing of changes to payments as well as the mortgage insurance drop-off
 match Clayton's calculated payment schedule.

Verus 2025-12 Due Diligence Narrative Report Page \| 18 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only
 periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 total of the principal and interest payment, mortgage insurance and escrow amounts add up
 correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When
 applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total
 interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with date entry requirements (such as when a field, if not applicable, must be present and
 left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization
 of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title
 fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column
 or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination
 Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once
 a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency
 between the Costs at Closing and Calculating Cash to Close tables, for which there is a version
 for transactions with a seller and an optional, but not required, version for transactions
 without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where
 amounts in a table reference that they are derived from another section of the form, that
 the amounts match the amount in the section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow
 amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed
 in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All
 required fields not specifically listed herein are completed or left blank in accordance
 with TRID rules; creditor information, contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For
 areas where multiple options are provided, such as Assumption, Negative Amortization and
 Liability after Foreclosure, only one option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That
 there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton
 will capture if the borrower waived their waiting period and the sufficiency of the waiver
 under TRID. However, based on past experience with clients, Clayton will also issue an exception
 for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the APR increased or decreased outside of tolerance requiring a new waiting period and whether
 that waiting period was provided. For APR decreases Clayton will look to whether the APR
 decreased due to a reduced finance charge, which will be considered to be within tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the product or a product feature changed which requires a new waiting period and whether
 that waiting period was provided.

Verus 2025-12 Due Diligence Narrative Report Page \| 19 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 a prepayment penalty was added requiring a new waiting period and whether that waiting period
 was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected
 CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close
 CD's to correct numerical errors based on events (such as recording) occurring within
 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close
 CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision
 and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written
 List of Providers, when there are items in in the Services You Can Shop For category (can
 impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated
 Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the LE in terms of whether fees are within the correct category and loan terms where we
 would need a Note to verify. More detailed testing will occur by comparing the final CD to
 the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence
 and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the Contact Information for the lender, broker and settlement agent. Clayton will look
 for discrepancies across forms, but is not independently verifying the information.

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

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

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

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

---

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

---

Verus 2025-12 Due Diligence Narrative Report Page \| 20 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

**B.** **State/Local High Cost** 

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

---

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

---

**C.** **Anti-Predatory** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota
 (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto
 Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas
 (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West
 Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

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

---

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

---

Verus 2025-12 Due Diligence Narrative Report Page \| 21 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

**E.** **Consumer Protection** 

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

---

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

---

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

**F.** **Texas Equity** 

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

**<u>GSE Testing</u>**

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

Verus 2025-12 Due Diligence Narrative Report Page \| 22 November 26, 2025

![](tm2532423d1_ex99-28img01.jpg)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

Verus 2025-12 Due Diligence Narrative Report Page \| 23 November 26, 2025

## Exhibit 99.29

**EXHIBIT 99.29**

**clayton conditions report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-12** |
| **Start - End Dates:** | **5/22/2025 - 10/23/2025** |
| **Deal Loan Count:** | **111** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *111* |
| ***Loans with Conditions:*** | *53* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Morningstar/DBRS Initial Securitization Compliance Loan Grade** | **Morningstar/DBRS Final Securitization Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Property Valuations Loan Grade** | **Initial Moodys Compliance Loan Grade** | **Final Moodys Compliance Loan Grade** | **Initial KBRA Compliance Loan Grade** | **Final KBRA Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 842128 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$18,133.04 or 7.5 months PITIA. No reserves are required. |
| 842190 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 9 months in reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value is 70%, max is 75%. |
| 842192 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | D | B | B | B | D | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the private mortgage holder xxxxxx. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 16+ years. xxxxxx is the primary housing mortgage company.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 377 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 10+ months reserves exceeds guidelines. |
| 842192 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | D | B | B | B | D | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation. | 6.30.25 DVR uploaded please clear.6.30.25 exception satisfied | 6.30.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 16+ years. xxxxxx is the primary housing mortgage company.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 377 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 10+ months reserves exceeds guidelines. |
| 842193 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | C | B | C | B | A | A | A | A C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER3262 | Property issues indicated | No | Property is xxxxxx with a DSCR ratio under .75. Property is ineligible per guidelines with DSCR under .75. | 6.03.2025-Client's response: June 2nd 2025, 7:13:00 pmPer guides, xxxxxx determines if prop is rural or not, in this case xxxxxx determined this property was approved to be treated as xxxxxx. so please clear findings. no exception is needed.6.03.2025-Clayton's response: Our subject listed as xxxxxx, was built up under 25%. Clayton determined status to be xxxxxx, however, non-fatal to the overall lending decision = Grade 2/B. Comp Factors: FICO 748, LTV = 48.39, 48 months reserves11.11.2025: acknowledged by client | 6.03.2025-Exception remains.11.11.2025: regraded to non material. This is not a fatal to the loan. 11.11.2025: non-material exception remains | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 445 Months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates 24+ months positive mortgage payment history./<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 48+ months reserves exceeds guidelines. |
| 842198 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: 6 months reserves required, borrower has 9.66 mths<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV 80%, current LTV 70%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower overall has good credit in last 12 months |
| 842199 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | A | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | 2 Family Property, no CU score; Missing CDA | 6.24.2025 Client responded - DVR provided, please clear finding.6.24.2025 Client provided a Desk review supporting the value. Exception satisfied | 6.24.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $54,073.02 reserves in file or 11.57 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 qualifying score exceeds guideline minimum of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 36 months with 0x30 consumer credit payment history exceeds guidelines of 24 months. |
| 842200 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Subject property was purchased xxxxxx. Proof of mortgage payments were only provided for 11/2024, 4/2025, and May 2025. Provide credit supplement or bank statements completing mortgage history | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 months reserves required. $3751.91 x 6 = $22,511.46. Total verified assets including $26,002.15 cash back at clsg is $190,325.29 or 50.72 months PITI<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%, max allowed per G/L is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 722, minimum allowed per G/L is 620 |
| 842205 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | A | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. | 5.30.2025-Client's response: May 30th 2025, 3:39:59 pmProvided the DVR which supports the value of the appraisal. Please clear.5.30.2025-Clayton's response: Received the DVR which supports the value of xxxxxx. Exception satisfied. | 5.30.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid-score per CBR<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 226 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.81 months of reserves in file.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8.7 years living at primary residence. |
| 842208 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value of xxxxxx. | 6.18.25 Appraisal CU provided,6.18.25 exception satisfied | 6.18.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $105,013.07, or 85.72 months. 6 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 696 exceeds guideline minimum of 680 for a DSCR cash out refinance at 75% LTV |
| 842209 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 6.23.25 Final settlement statement provided, 6.24.25 exception satisfied | 6.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 23.08% LTV < guideline maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $159,821.09 reserves in file or 90.58 months PITI > required guidelines |
| 842212 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 676 credit score exceeds guideline minimum of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.18% LTV is below guideline maximum of 70%. |
| 842213 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 29 months PITIA is greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 732 is 52 points above the 680 FICO required for the program. |
| 842215 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | C | A | C | A | A | A | N/A | N/A C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Evidence of Rent Loss Coverage | 6.11.25 HOI has coverage D Fair Rental Value | 6.11.25 HOI has coverage D Fair Rental Value | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 217+ Months reporting<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 82+ MOnths positive pay history |
| 842216 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | D | B | B | B | D | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 mortgage history or canceled checks (front & back) for the xxxxxx. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 25 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $53,167.65 reserves in file or 44.35 months PITI > required guidelines |
| 842216 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | D | B | B | B | D | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Loan amount does not meet minimum equity requirement of $40,000. $29,000 in equity. Clayton deems this non-material.Compensating factor; FICO 754, 44 months in reserves, 25 years at current residence. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 25 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $53,167.65 reserves in file or 44.35 months PITI > required guidelines |
| 842216 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | D | B | B | B | D | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing Desk Review to support appraisal value; CU score 4.1 | 6.24.25 DVR provided, please clear finding.6.214.25 exception satisfied | 6.214.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 25 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $53,167.65 reserves in file or 44.35 months PITI > required guidelines |
| 842219 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Post close equity of $37,600.00 does not meet guideline requirement of $40,000.00. | (No Data) | 8.7.25 Acknowledged by client. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 9/2009.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 769 exceeds guideline minimum of 700 for a DSCR purchase at 80% LTV.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has never been 1X30 with history from 12/24/2007. |
| 842222 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 6.24.2025-Client's response: June 24th 2025, 12:34:41 amFinal settlement statement provided, please clear finding.6.24.2025-Clayton's response: Received the final HUD1, exception satisfied. | 6.24.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied their primary residence for 18 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%, max allowed per G/L 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 760, minimum required is 620 |
| 842225 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash out of $1,021,029.93 exceeds guideline maximum of $500,000.00 with LTV over 65%. Clayton deems this non-material due to the following compensating factors: 12 months reserves, LTV 71.5% FICO 823m 7 tradelines, 39 years monthly payments, 44.5 years at current residence, 100+ months 0x30 and recoup savings used to rebuild xxxxxx units. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 44 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 823 credit score exceeds guideline minimum of 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has paid 0x30 on mortgage payments for 90 months. |
| 842226 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $14,122.10 reserves in file or 6.18 months PITI > required guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 72 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 842227 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood insurance policy. (Tax and Insurance information sheet indicates coverage amount as xxxxxx, renewal date of xxxxxx and premium in the amount of xxxxxx annually) | 6.16.25 Flood insurance provided, please clear finding.6.19.25 exceptions | 6.19.25 exceptions | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds minimum required per lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 credit score exceeds minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceeds minimum required per lender guidelines |
| 842228 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Provide Title Commitment. | 6.18.25 Commitment is now uploaded.6.18.25 exception satisfied | 6.18.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 348 Months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonsrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 104+ months reserves exceeds guidelines. |
| 842233 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD in file. | 7.02.2025-Client's response: July 2nd 2025, 5:29:40 pmFINAL SS ATTACHED7.02.2025-Clayton's response: Received the Final HUD1, exception satisfied. | 7.02.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 22 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 100 months PITIA is 94 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 798 is 118 points above the 680 FICO required for the program. |
| 842239 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 48 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 769 is 149 points above the 620 FICO required for the program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 8 years reviewed. |
| 842245 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance Declaration | 7.1.25 haz ins uploaded7.2.25 exception satisfied | 7.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 5 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has overall good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 36.32 months reserves. |
| 842245 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 7.1.25 please find the SS7.2.25 exception satisfied | 7.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 5 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has overall good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 36.32 months reserves. |
| 842245 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing Title with schedule A and B | 7.1.25 Please find the title7.2.25 exception satisfied | 7.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 5 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has overall good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 36.32 months reserves. |
| 842245 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Provide third party valuation that supports the appraised value of xxxxxx. | 7.1.25 DVR uploaded7.2.25 exception satisfied | 7.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 5 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has overall good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 36.32 months reserves. |
| 842246 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 350+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 39 Months Reserves |
| 842248 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | D | B | B | B | D | A | A | A D B | A | A D B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Sales price xxxxxx x 80%=xxxxxx- Loan amount xxxxxx | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines. Credit score is 768, min score for loan program is 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines. Borrower has 156 months in mortgage history with 0x30.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history. Borrower has 156 months mortgage history with 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $15,489.48. Verified cash reserves of $32,154.58. |
| 842248 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | D | B | B | B | D | A | A | A D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting the appraised value of xxxxxx | 6.20.25 DVR provided, please clear finding6.23.25 exception satisfied | 6.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines. Credit score is 768, min score for loan program is 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines. Borrower has 156 months in mortgage history with 0x30.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history. Borrower has 156 months mortgage history with 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $15,489.48. Verified cash reserves of $32,154.58. |
| 842249 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 237 MONTHS CREDIT HISTORY EXCEEDS GUIDELINES.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 29+ MONTHS RESERVES EXCEEDS GUIDELINES.<br>CFCFS2860: Good credit history<br> - Clayton Comments: GUARANTOR DEMONSTRATES GOOD CREDIT HISTORY. |
| 842252 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | C | B | C | B | A | A | A | A C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH122 | Foreclosure history does not meet guidelines | No | Clarification on the foreclosure fees and costs listed on the xxxxxx payoff. Credit report does not evidence any foreclosure. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 694 exceeds the minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 51.72% is below the maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $136991.16, 40.96 months reserves, 0 months required |
| 842252 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | C | B | C | B | A | A | A | A C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 month payment history for mortgages with xxxxxx. These 2 mortgages appear on title. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 694 exceeds the minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 51.72% is below the maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $136991.16, 40.96 months reserves, 0 months required |
| 842252 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | C | B | C | B | A | A | A | A C B | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing evidence 2nd mortgage with xxxxxx along with 2 judgments in Book xxxxxx page xxxxxx and Book xxxxxx Page xxxxxx were paid off and released from title. | 7.24 .25 he Final Title Policy will show the liens paid rcvd | 7.25.2025-Exception satisfied . | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 694 exceeds the minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 51.72% is below the maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $136991.16, 40.96 months reserves, 0 months required |
| 842257 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV < guideline maximum of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $331,402.15 reserves in file or 95.58 months PITI > required guidelines |
| 842259 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 7/72025 Client responded - final SS uploaded for review.7/7/2025 Client provided the final Settelment Statement - Exception Satisfied | 7/7/2025 Exception Satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 343 months reserves exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 120 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico is 751, min is 620. |
| 842260 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | A | A | B | B | N/A | N/A B | N/A | N/A B | N/A | N/A | Property Valuations | Appraisal | Waived B | PRVAAPPR5344 | Alternate Valuation product used. | No | Missing Transfer Letter for Appraisal | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 180 Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit usage ratio is 6.340%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 9 years. xxxxxx is the mortgage holder.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 768, min is 620 for the loan program. |
| 842262 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has overall good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 13.63 months reserves<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.64 is below 75% allowed. |
| 842263 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 8 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 323 months credit history exceeds guidelines. |
| 842264 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 234 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 67+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history. |
| 842268 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | A | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | 2 Family Property - Missing UCDP / Desk review to support appraisal value | 7.10.25 please find the DVR for review.7.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 qualifying score exceeds guideline minimum of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in primary / current residence for 10+ years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $55,665.95 reserves in file or 8.57 months PITI > required guidelines |
| 842271 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | D | B | D | B | C | A | A | A D B C | A | A D B C | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing 1031 Exchange Agreement and verification of funds with a Qualified Intermediary (exchange holder). File contains an email from 1031 exchange stating they are holding proceeds from the sale however missing amount and what property was sold | 1031 exchange contract has been provided, please clear condition. | 6.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 783 exceeds the minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 18% of revolving credit utilized. Credit utilization is less than 30%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Since 2013 mortgage payment history is 0x30. |
| 842271 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | D | B | D | B | C | A | A | A D B C | A | A D B C | A | A | Credit | Assets | Satisfied D A | CRDAST2304 | Unverified Assets | No | Missing documentation borrower is 100% owner of xxxxxx. Cashiers check in the LLC name and funds for 1031 exchange. | 6.04.2025-Client's response: May 30th 2025, 7:42:33 pmBorrower is the sole member, Articles of Organization has been provided. Please clear.6.04.2025-Clayton's response: Received the Articles of Organization showing xxxxxx as the sole owner of xxxxxx, exception is satisfied. | 6.04.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 783 exceeds the minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 18% of revolving credit utilized. Credit utilization is less than 30%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Since 2013 mortgage payment history is 0x30. |
| 842271 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | D | B | D | B | C | A | A | A D B C | A | A D B C | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOR for subject property verifying 12 month payment history along with mortgage billing statements for all mortgages listed on credit report verifying properties they are associated with per loan approval. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 783 exceeds the minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 18% of revolving credit utilized. Credit utilization is less than 30%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Since 2013 mortgage payment history is 0x30. |
| 842271 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | D | B | D | B | C | A | A | A D B C | A | A D B C | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 6.4.25 Final settlement statement has been provided, 6.5.25 exception satisfied | 6.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 783 exceeds the minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 18% of revolving credit utilized. Credit utilization is less than 30%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Since 2013 mortgage payment history is 0x30. |
| 842271 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | D | B | D | B | C | A | A | A D B C | A | A D B C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP241 | Property Type unacceptable under guidelines | No | Properties with litigation are ineligible if the litigation relates to the safety, structural soundness, habitability or functional use of the project. Litigation pending is an ordinance passed by the xxxxxx on short term rentals. Subject is a xxxxxx with xxxxxx units that are short term rentals. Comment in file states to move forward. | 5.30.2025 Client responded - Provided copy of the court documents showing a stipulation of stay, please clear condition.5.30.2025 Client provided Court Documents Stipulation to Stay Proceedings. Exception satisfied | 5.30.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 783 exceeds the minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 18% of revolving credit utilized. Credit utilization is less than 30%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Since 2013 mortgage payment history is 0x30. |
| 842271 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | D | B | D | B | C | A | A | A D B C | A | A D B C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP2674 | Property Issues Indicated 2 | No | Missing monthly payment for leasehold part of legal description. Property is owned fee simple and leasehold. Lease in file missing monthly payment from years 2020 -2035. Lease provides a calculation however monthly amount missing. | 6.04.2025-Client's response: May 30th 2025, 7:35:48 pmLease rent is listed on the HOA invoice, please clear condition.6.04.2025-Clayton's response: Received the Lease Rent, exception is satisfied. | 6.04.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 783 exceeds the minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 18% of revolving credit utilized. Credit utilization is less than 30%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Since 2013 mortgage payment history is 0x30. |
| 842272 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | D | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 7.1.25 Final settlement statement provided, please clear finding.7.2.25 exception satisfied | 7.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $37,753.75, or 10.98 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR purchase with a 759 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 9/2019. |
| 842272 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | D | A | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value of xxxxxx. | 6.25.25 DVR provided, please clear finding.6.26.25 exception satisfied | 6.26.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $37,753.75, or 10.98 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR purchase with a 759 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 9/2019. |
| 842275 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 110 months ITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 662 is 42 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.55% is 14.45% below the 70% LTV allowed for the program. |
| 842276 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Borrower is short funds to close. | 7.29.2025-Client's response: July 28th 2025, 5:10:15 pmBank statement provided showing the cash to close funds, please clear finding.7.29.2025-Clayton's response: Received the bank statements, exception satisfied. | 7.29.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 135 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 86 months of 0x30 consumer credit history per CBR. |
| 842276 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | .Missing final HUD-1 for subject cash-out transaction. HUD-1 in file appears to be from prior sale of subject property back in xxxxxx from Title Company as it shows a sales price of xxxxxx. Please provide HUD-1 for subject xxxxxx cash-out refinance. | 7.14.2025-Client's response: July 9th 2025, 2:20:33 pmFinal settlement statement and credit exception provided, please clear finding7.14.2025-Clayton's response: The Final Settlement Statement received is for a Purchase; transaction is a cash-out refinance. Exception remains.7.29.2025; Transaction paid off a relative and the funds to close have been verified. Exception satisfied. | 7.14.2025-Exception remains.7.29.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 135 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 86 months of 0x30 consumer credit history per CBR. |
| 842276 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing the required condo questionnaire in file. | 6.18.25 Condo questionnaire provided, please clear finding.6.19.25 exception satisfied | 6.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 135 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 86 months of 0x30 consumer credit history per CBR. |
| 842277 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks (front & back) for the private mortgage to xxxxxx. | 08.04.25 - Acknowledged by client. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $405,761. reserves in file or 23.96 months PITI > required guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV < guideline maximum of 80% |
| 842278 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $38,694.91, or 20.25 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR cash out refinance with a 753 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 6 years. |
| 842288 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 51+ months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 116 months credit history exceeds guidelines. |
| 842289 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks (front & back) for the rental payments paid to xxxxxx. | 08.04.25 - Non-material exception remains. | 08.04.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $184,471.08, or 26.07 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.07% is below guideline maximum of 80% for a DSCR purchase with a 794 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 exceeds guideline minimum of 620 for a DSCR purchase at 53.07% LTV |
| 842289 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1 | 7.10.25 please find the final SS7.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $184,471.08, or 26.07 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.07% is below guideline maximum of 80% for a DSCR purchase with a 794 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 exceeds guideline minimum of 620 for a DSCR purchase at 53.07% LTV |
| 842338 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$30,814.12 or 14.6 months PITIA. No reserves are required. |
| 842748 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $41457.76, 15.85 months reserves, 6 months required |
| 842752 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 12 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $17,767.83, 17.96 months, 6 months required. |
| 842765 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $67,250 above the required $83,750 down payment for a total down payment of $151,000.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Cash reserves $22,191.39, 9.45 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.93% LTV < max permitted of 75%. |
| 842771 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 mid score > min required of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing assets: $95,164.80 (88.39 months PITIA reserves) > min required of 6 months |
| 842772 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have 11 months reserves and only 6 are required. |
| 843043 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 102 reserves after closing. |
| 843044 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 109 months reserves after closing. |
| 843147 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $266,509.19 or 91.14 months of post close reserves. 6 months required. |
| 843149 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 40.49%. G/l max is 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 10.26 months piti reserves |
| 843152 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | C | B | B | B | C | A | A | A C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require a satisfactory 12 month mortgage history for subject property reflecting paid current as of 45 days of the loan application. | 08/05/2025 - Acknowledged by client. | 08/05/2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 777 exceeds minimum for rate term refinance of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65% below max of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 75 months mortgage primary payment history exceeds 12 months required |
| 843152 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | C | B | B | B | C | A | A | A C B | A | A C B | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | Appraisal addendum indicates "At time of inspection the subject property was owner occupied" and 1007 indicates currently rented as N/A. Note: several docs in file indicate subject property address as xxxxxx primary residence who is the Co-owner of property. | 8-1-25: client uploaded copy of quit claim deed, xxxxxx is no longer in title on this property. | 8-1-25: Clayton copy of quit claim deed, xxxxxx is no longer in title on this property; file documents including primary mortgage history for borrower verify borrower is not living in subject property. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 777 exceeds minimum for rate term refinance of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65% below max of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 75 months mortgage primary payment history exceeds 12 months required |
| 843158 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.26% is below guideline requirement max of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $256,817.39 or 83.74 months PITI reserves exceed required reserves of ($3,066.74 x 6 = $18,400.44).<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $140,000 above the required $202,500 down payment for a total down payment of $342,500 . |
| 843180 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $285,211.89/200.52 PITIA which is > guideline minimum of 6 months PITIA. |
| 843181 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | A | A | B | B | N/A | N/A B | N/A | N/A B | N/A | N/A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Project does not meet investor concentration requirements, 87% of the units are rentals and maximum allowed is 60%. Clayton considers this non material, project is financially stable and market acceptance demonstrated; borrower has 68 months reserves with 6 months required, and credit score is 775 with minimum requirement of 700. | 07.29.2025 - Acknowledged by client. | 07.29.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxxxxx FICO of 775 exceeds the guideline program minimum of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 23 years. Current lien hold xxxxxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 58 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $404,828.33, 68.45 months; 6 months reserves required. |
| 843841 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 85 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 20.73 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.06% LTV per review; 80% LTV is the maximum allowed per guidelines. |
| 843863 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years. |
| 843864 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV for Subject Property is below guideline max LTV of 75% |
| 843872 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $364102.66, 121.74 months reserves, 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 768 exceeds the minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 31 months reviewed for primary residence mtg exceeds the 12 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 2.4609 (Rent $7360 / Expenses $2990.74) |
| 844250 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 61.07 months of reserves in file. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 665 mid-score per CBR. 660 minimum. |
| 844376 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The sales contract expired xxxxxx. The subject closed xxxxxx. No extension was in the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 42 months reserves after closing. |
| 844376 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The condo warrantability or non warrantability was not reflected in the loan file. | (No Data) | Lender verified non-warrantable. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 42 months reserves after closing. |
| 844613 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $166,262.56 = 57.58 months of reserves. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 844677 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing sales contract for purchase of subject property located at xxxxxx with a sales price of xxxxxx with $20,000 EMD. | 8-28-25 Client uploaded contract. | 8-28-25 Clayton reviewed contract. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence 3 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $81,717.37 or 39 months. 6 months reserves required. |
| 844677 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing statement to support the asset valued at 412,264.85 Real or $75,855.76 per Currency Converter dated 8-11-25 | 8-28-25 Client uploaded bank statement. | 8-28-25 Clayton reviewed bank statement and file. Per letter in file borrower has 95% ownership. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence 3 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $81,717.37 or 39 months. 6 months reserves required. |
| 844679 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | C | A | C | A | A | A | N/A | N/A C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing evidence of the exchange rate for the foreign bank account conversion from xxxxxx to xxxxxx supporting xxxxxx simple at $41,297.61 and Investment at $28,582.91 and xxxxxx at $74,627.01. | 8-25-25 Client replied: I have uploaded an updated application, 1008 and conversions for accounts used for assets xxxxxx. borrower already gave $118,482 to the builder | 8-26-25 Clayton reviewed file and updated xxxxxx account (158,793.97 to $29,263.24). Did not use xxxxxx at 229,431.14 7-11-25 and xxxxxx 414,594.50 as no conversion received. Added BlU based on balance of xxxxxx 690,660.07 /$124,318.81 and xxxxxx $713.80/$131.60. Exception satisfied. | (No Data) | Not Applicable | CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $33,750 above the required $84,250 down payment for a total down payment of $118,000.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $38,984.73, 18.11 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.99% is below the guideline maximum of 75%. |
| 844921 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The CPA license for xxxxxx was not in the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrowers have 95 months reserves after closing. |
| 844924 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | Missing Documented improvements to subject property as Cash out guidelines state "For properties owned greater than 6 months but less than 12 months: LTV/CLTV is limited to the lower of the current appraised value or the property's purchase price plus documented improvements." (Sec 1.4.1.3)Property purchased xxxxxx. Note date xxxxxx. | 09.08.2025 - Acknowledged by client. | 09.08.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 10.97%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 722 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $92,488.55, 19.04 months. 6 months required. |
| 844924 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower does not meet the experienced investor criteria of owing non-owner-occupied property for at least one year and lives rent free which is not acceptable per xxxxxx matrix first time investor section. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 19.04 months cash reserves/6 required, credit score 722/700 minimum, and minimal credit use at 10.97%. Borrower is 3 months from being an experienced investor. | 09.08.2025 - Acknowledged by client. | 09.08.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 10.97%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 722 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $92,488.55, 19.04 months. 6 months required. |
| 844926 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 30% consumer credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 41 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $242,816.89, 181.64 months; 6 months required. |
| 844927 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR171 | Subject Photos Unacceptable | No | Color photos are required, all photos are black and white. | 9.3.25 color appraisal was already uploaded9.3.25 exception satisfied | 9.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $44,559.18 or 14.24 months, 6 months are required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments on mortgage with 51 months history, 12 months required. |
| 844927 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR173 | Comp Photos Unacceptable | No | Color photos are required, all photos are black and white. | 9.3.25 color appraisal was already uploaded9.3.25 exception satisfied | 9.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $44,559.18 or 14.24 months, 6 months are required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has no late payments on mortgage with 51 months history, 12 months required. |
| 844929 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Citizenship on application - unable to determine if additional documents are required. | 8-15-25 Client uploaded 1003. | 8-15-25 Clayton reviewed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of746 is above the required700 for xxxxxx transaction<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of99 months exceeds the required 12 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 11% |
| 844956 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Assets | Waived B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing the full one month account statement for the xxxxxx Account ending #xxxxxx reflecting all transactions.Statement provided list the balance only and that a detailed statement is mailed separately.Clayton deems non-material/non-fatal to lending decision as statement provides balance last statement at $279,461.82 and balance this statement as $256,165.15. Compensating factors include: 156.26 months cash reserves/0 required, Credit score 682/660 minimum and 18 years at current residence. | 7-16-25: HEM accepts B grade. 08.12.25 - Acknowledged by client. | 7-16-25: HEM accepts B grade. Exception remains.08.12.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxxxxx FICO of 682 exceeds the guideline program minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 18 years. Borrower owns their primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $235,462.72, 156.26 months; no reserves required. |
| 844956 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | The borrower is a first time homebuyer as the last property owned was sold in xxxxxx. Per lender guidelines, Not eligible except as allowed in specified in the guidelines and the borrower cannot live rent free as a first time investor. Clayton deems non-material/non-fatal to lending decision as borrower lives with spouse who has a reverse mortgage. Compensating factors: 156.26 months cash reserves/0 required, Credit score 682/660 minimum and 18 years at current residence. | 7-16-25: HEM accepts B grade. 08.12.25 - Acknowledged by client. | 7-16-25: HEM accepts B grade. Exception remains.08.12.25 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxxxxx FICO of 682 exceeds the guideline program minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 18 years. Borrower owns their primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $235,462.72, 156.26 months; no reserves required. |
| 844977 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER4238 | Business entity does not meet guidelines | No | Structure of borrowing LLC does not meet guideline limitation regarding number of members. Maximum number of members per guidelines 1,3,6,2 is four (4). Per the executed LLC borrowing authorization there are nine (9) signatory members. Clayton considers this non material, guarantor is only member with >25% interest, guarantor is experienced investor with reserves of 78 months with 6 months required. | 08.19.2025 - Acknowledged by client. | 08.19.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $136,228.72 (78.34 months PITIA reserves) > min required of 6 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned/occupied primary residence for 10 years. |
| 844978 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.307%; guidelines allow 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $130,848.28/60.38 PITIA which is > guideline minimum of 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years owning current residence. |
| 845162 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7.5 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6.9 years employed with xxxxxx<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years in the xxxxxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid-score per CBR<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 57.20 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 184 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 122 months of 0x30 mortgage history per CBR. |
| 845468 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 8.21.25 Final HUD-1 uploaded8.21.25 exception satisfied | 8.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 736. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 27.05 months piti reserves<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 845469 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | C | A | A | A | C | A | N/A | N/A C | N/A | N/A C | N/A | N/A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No property inspection since FEMA xxxxxx, xxxxxx, declared xxxxxx effective xxxxxx. PDI ordered, pending arrival. | (No Data) | 8-12-25 PDI received with no damage. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of751 is above the required680 on xxxxxx<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of70 is below the maximum allowable of 80% on xxxxxx<br>CFCFS1731: Verified cash reserves exceed guidelines |
| 845558 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 647 mid-score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 4.9 years employed with xxxxxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 187 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 341.68 months of reserves in file. |
| 845559 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid-score per CBR. 700 minimum.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.3 years employed with xxxxxx.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 123 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 16 months of 0x30 mortgage history per CBR. 12 months required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $187,797.90 = 14.03 months of reserves in file. 9 months required. |
| 845571 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $84,106.07 or 62.95 months PITI reserves exceed required reserves of ($1,336.18 x 6 = $8,017.08).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 exceeds guidelines of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0 x 30 for 28 months exceeds guideline requirement of 12. |
| 845816 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $75,541.87 or 17.44 months PITI reserves exceed required reserves of ($4,331.78 x 6 = $25,990.68).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 exceeds guidelines. |
| 845874 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $826,969.49 or 109.17 months PITI. No reserves are required. |
| 846017 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) C | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | CD xxxxxx was earliest CD in file and used as initial and final CD. | 08/21/2025 - Client provided updated TRID package with all LE's, CD's and Change of Circumstances. | 08/25/2025 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $214,393.76 or 31 months PITIA. No reserves are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 15 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| 846017 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) C | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD xxxxxx was earliest CD in file and used as initial and final CD. | 08/21/2025 - Client provided updated TRID package with all LE's, CD's and Change of Circumstances. | 08/25/2025 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $214,393.76 or 31 months PITIA. No reserves are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 15 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| 846177 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11.1 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5.9 years employed with xxxxxx<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 140 months of 0x30 mortgage history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 206 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 50.35 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.88 CLTV per review; 85% CLTV is maximum allowed per guidelines. |
| 846256 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 mid-score per CBR.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.66% is below the minimum program requirement of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 3 years and 0 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 58.40% for Subject Property is below guideline max LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 119 months of 0x30 mortgage history per CBR. |
| 846338 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt notification dated 10 days prior to closing was not in the loan file. | (No Data) | UDN provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers credit score is 801 and exceed guides.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower is a minimal credit user with 3 trades open. |
| 846338 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | The borrower qualified using Asset utilization. 6 month assets are required for each acct . Missing 2/2025 and 3/2025 for accts xxxxxx, xxxxxx xxxxxx and xxxxxx. | (No Data) | Per xxxxxx guidelines 2.7.11.3 requires only 3 months of bank statements on an asset depletion. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers credit score is 801 and exceed guides.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower is a minimal credit user with 3 trades open. |
| 846373 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 30 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 Credit score exceeds guidelines of 720 per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 8.67% DTI below guideline requirement of 49.99%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $772,182.67 or 33.10 months PITIA exceeds the 9 months x $23,329.95 for required $209,969.55. |
| 846653 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 3.11% is below the 45% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 689 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $174170.06, 38.79 months reserves, 12 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% revolving credit used |
| 846809 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Title | Waived B | CRDTIL100 | Potential title issue | No | xxxxxx project has an encroachment easement agreement which will remain on the final title insurance policy. This easement is a temporary access roadway easement dated xxxxxx. Clayton considers this to be non material as it is an established easement which has not affected xxxxxx project marketability, the borrower credit score is 776/700, the LTV is 50%/75% maximum, and the borrower has over 60 months reserves. | 9-8-25 HEM accepts B grade 09.08.2025 - Acknowledged by client. | 9-8-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 776 is 76 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $624,685.10/64.92 PITIA which is > guideline minimum of 6 months PITIA. |
| 846832 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 732 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $392,233.11, 51.11 months. 6 months required. |
| 847011 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $86,656.40, 53.27 months. 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified FICO 731. Guideline minimum 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower in current residence 5 years. |
| 847012 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.82%. G/l max is 75%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 15% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 162.98 months piti resserves |
| 847015 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of799 is above the required 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of64.827 is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $227,347.18 or 110.96 months of PITIA. 6 months required. |
| 847334 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $971,727.11 or 117.54 months PITI. Required PITI reserves are 3 x $8,267.38 = $24,802.14<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 6.3 % below DTI 49.99% |
| 847564 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance Charge Difference -175.00. Electronic Document delivery fee is the fee. Provide LOX why the Electronic Document delivery fee is Not included in APR charges to be sent for second review. | 10.9.25-Client provided Copy of tolerance check including LOX , 3rd party label, PCCD. Satisfied. | 10.9.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.75 is below guideline requirement max of 90.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 792 exceeds guidelines. 660 minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit usage ratio of 19.46% indicates a minimal use of credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $47,476.94 or 5.59 months PITI reserves exceed required reserves of $0.00. |
| 847564 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Finance Charge Difference -175.00. Electronic Document delivery fee is the fee. Provide LOX why the Electronic Document delivery fee is Not included in APR charges to be sent for second review. | 10.9.25-Client provided Copy of tolerance check including LOX , 3rd party label, PCCD. Satisfied. | 10.9.25- Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.75 is below guideline requirement max of 90.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 792 exceeds guidelines. 660 minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit usage ratio of 19.46% indicates a minimal use of credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $47,476.94 or 5.59 months PITI reserves exceed required reserves of $0.00. |
| 847564 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B | Credit | DTI | Waived B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI of 47.79% exceeds guideline max DTI of 43%.Lender approved exception in the file. | 10.13.2025 - Acknowledged by client. | 10.13.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.75 is below guideline requirement max of 90.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 792 exceeds guidelines. 660 minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit usage ratio of 19.46% indicates a minimal use of credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $47,476.94 or 5.59 months PITI reserves exceed required reserves of $0.00. |
| 847569 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10.3 years in the xxxxxx.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 170 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 177 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 425.03 months of reserves in file. |
| 847572 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP2298 | Missing Second Appraisal | No | The file contains the 1004D from a second appraisal but no 1004 was located. Please provide the full 1004 performed by xxxxxx. 2 appraisals are required. | 10-14-25 Client replied: 2nd appraisal uploaded | 10-16-25 Clayton reviewed 2nd appraisal. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $1,122,751.96, 58.94 months. 9 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 61.54% and maximum allowed is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 733 and minimum is 660 |
| 847622 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $21,542.82, 4.84 months. 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 712 is above the required 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allows 75%. |
| 847668 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | The receipt of the 35k gift funds was not in the loan file. | (No Data) | Gift funds were not used for the loan. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 6 months reserves after closing.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed with the same business for 18 years. |
| 847668 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt report /monitoring dated 10 day prior to the note was not in the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 6 months reserves after closing.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed with the same business for 18 years. |
| 847801 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 is above the required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.84%; guidelines allows 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $401,487.02, 95 months. 6 months required. |
| 847855 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt report/ notification dated 10 day prior to closing was not in the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrowers have 24 months reserves after closing.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 39.85% and below the max of 43%. |
| 847855 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The CPA license for xxxxxx was not in the loan file | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrowers have 24 months reserves after closing.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 39.85% and below the max of 43%. |
| 847855 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Borrower(s) who sold a primary residence within the past six (6) months, currently residing rent-free, and purchasing a new primary residence are allowed. 12-month mortgage history is required on previous primary residence. Less than 12-month history or residing rent-free allowed with the following restrictions:o DTI may not exceed 43%.o LTV may not exceed 80%.The subject is 85% and no exception was provided. | (No Data) | The borrower has a 12+ month mortgage history. NOO xxxxxx. 19 months into xxxxxx with 11 months. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrowers have 24 months reserves after closing.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 39.85% and below the max of 43%. |
| 848247 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.82% is below guideline maximum DTI 49.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761 is above guideline minimum 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $25,213.56 or 16 months PITI. Required reserves are 3 x$1,555.16 = $4,665.48. |
| 848346 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 is above minimum program requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 66.04%; guidelines allow 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.14% is below the guideline minimum of 50%. |
| 848352 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Final 1003 shows borrower is self employed has 25% or more ownership in business and written verification of employment is provided for income verification. Correct the 1003 or provide self employment income documents required by the guideline | 10/2/2025 Client provided previously submitted Final 1003 showing borrower is Self Employed. Written VOE in file reflects borrower is paid monthly and is a xxxxxx. Provide CPA letter and P&L statements if borrower is Self Employed or corrected 1003 showing borrower is a W2 employee. 10/3/25 Client provided updated 1003 removing check mark for Self employed however income is still reflected under self employment.10.7.2025-Received updated 1003 with income showing as wage earner, V VOE also states no ownership | 10.7.2025-Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxxxxx FICO 693 exceeds guideline minimum 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $37,168.20 or 11.19 months PITI. Required Reserves are 4 x $3,319.83 = $13,279.32 |
| 848496 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Incomplete PCCD dated xxxxxx. PCCD is missing Hazard POC xxxxxx. | 10/3/2025 Client provided updated PCCD reflecting Hazard POC of xxxxxx | 10/3/2025 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in the same profession for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 10 points below guideline maximum 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: xxxxxx FICO 756 is greater than guideline minimum 660. |
| 848533 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current address 25 years, 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 756. The guideline minimum is 740.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrowers have been in current positions 11 years, 4 months. |
| 848818 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 27 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 298 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 292 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 229.46 months of reserves in file. |
| 848908 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | C | A | C | A | A | A | N/A | N/A C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short reserves $22,279.31. Reserves required $8,185.42 x 6 = $49,112.52 - loan proceeds $26,833.21 = $22,279.31. Loan amounts greater than $1,000,000 require 6 months reserves for investment properties, Loan amount xxxxxx. | 10.21.2025-Received Additional xxxxxx asset statement | 10.21.2025-Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Guarantor has had Significant time in profession, 10 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 849182 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH120 | Collections, charge offs, liens, etc. exceed guidelines | No | According to the guidelines, Delinquent credit, such as charge-offs of non-mortgage accounts and collections, have the potential to affect loan position or diminish borrower equity. Individual collection and non-mortgage charge-off accounts equal to or greater than $250, and accounts that total more than $2,000, must be paid in full prior to or at closing. See below for exceptions:o xxxxxx collections may remain open.o A second mortgage or junior lien that has been charged off is subject to foreclosure seasoning periods for grade determination, based on the charge-off date.o Collections and charge-offs that have expired under the state statute of limitations on debts may be excluded from the DTI calculation. Evidence of expiration must be documented. In this case, xxxxxx and xxxxxx Card are both charge off accounts that were not paid off or included in the DTI. Proof the accts were paid off was not provided in the loan file. It is noted both accts have not expired under the statute of limitations. If the accounts were included in the DTI it would exceed guides at 51.74%. | Per guidelines: Charge-offs and collections not excluded by the above bullet points must be paid or may stay open if using one or a combination of both of the following: We have sufficent reserves | Collection balance subtracted from the reserves. Cleared | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 47 months reserves after closing. |
| 849501 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Missing evidence of payoff of Collection with xxxxxx in the amount of xxxxxx opened 5-2024. xxxxxx guidelines 6.6.2 require collections over $1000 be paid off. | 09.30.2025 - Acknowledged by client. | 09.30.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 677 mid-score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5.5 years employed with xxxxxx.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 49 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.58% CLTV per review; 75% CLTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $103,019.53 = 28.83 months of reserves. 0 months required. |
| 849502 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 73.62 is below guideline requirement max of 65.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 49.35 is below guideline requirement max of 50. |
| 849503 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D B C | D | A D B C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing updated credit within 30 days of note date. Provide gap credit with no additional monthly debt. | 9-16-25 Client uploaded UDM dated xxxxxx.9-18-25 Client uploaded supplement. | 9-16-25 Clayton reviewed UDM dated xxxxxx which reflects no new debts. Exception satisfied.9-16-25 UDM was not for this borrower. Earlier message sent in error. Exception remains. 9-18-25 Clayton reviewed supplement and added xxxxxx to DTI. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714 exceeds the minimum of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 71.95% is below the maximum of 75%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 16% revolving credit utilized. Revolving credit utilization is less than 30%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $139692.39, 39.56 months reserves, 0 months required |
| 849503 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D B C | D | A D B C | D | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | Missing Gap Credit report. Credit report is dated 4/22/25. Transaction date is xxxxxx. Per guidelines 6.4, a gap credit report is required if the Note date is greater than 30 days after the date of the credit report relied upon for underwriting. Provide gap credit with no additional monthly debt. | 9-16-25 Client uploaded UDM dated xxxxxx.9-16-25 Client uploaded UDM. 9-18-25 Client uploaded supplement | 9-16-25 Clayton reviewed UDM dated xxxxxx which reflects no new debts. Exception satisfied.9-16-25 UDM was not for this borrower. Earlier message sent in error. Exception remains. 9-17-25 Clayton reviewed UDM which reflects a new tradeline with xxxxxx opened the day of closing. Please provide supplement to add to DTI. Exception remains,. 9-18-25 Clayton reviewed supplement and added xxxxxx to DTI. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714 exceeds the minimum of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 71.95% is below the maximum of 75%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 16% revolving credit utilized. Revolving credit utilization is less than 30%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $139692.39, 39.56 months reserves, 0 months required |
| 849503 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D B C | D | A D B C | D | A | Credit | DTI | Waived B | CRDDTI187 | Debt Ratio > 50% | No | DTI of 54.28%. DTI maximum is 50%. 1008 reflects positive income for rental income which lowered the DTI. Rental income has negative income of $753 based on 75% of lease amount. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 39.56 months cash reserves/0 required, credit score 714/700 minimum, LTV 72.27%/75% max and minimal use of credit at 16%. | 09.30.2025 - Acknowledged by client. | 09.30.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714 exceeds the minimum of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 71.95% is below the maximum of 75%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 16% revolving credit utilized. Revolving credit utilization is less than 30%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $139692.39, 39.56 months reserves, 0 months required |
| 849503 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D B C | D | A D B C | D | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | Lease income not eligible per 8.8.1 guidelines for xxxxxx: P&L Only: "No other income documentation type other than Asset Depletion can be combined with the P&L for the self-employed borrower."Clayton deems non-material/non-fatal to lending decision due to compensating factors: 39.56 months cash reserves/0 required, , LTV 72.27%/75% max. | 09.30.2025 - Acknowledged by client. | 09.30.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714 exceeds the minimum of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 71.95% is below the maximum of 75%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 16% revolving credit utilized. Revolving credit utilization is less than 30%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $139692.39, 39.56 months reserves, 0 months required |
| 849503 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D B C | D | A D B C | D | A | Credit | Income/Employment | Waived B | CRDINC3204 | Income Documentation Missing | No | Missing documentation of receipt of rental income for xxxxxx supporting $4,800 per month per lease. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 39.56 months cash reserves/0 required, credit score 714/700 minimum, LTV 72.27%/75% max and minimal use of credit at 16%. | 09.30.2025 - Acknowledged by client. | 09.30.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714 exceeds the minimum of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 71.95% is below the maximum of 75%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 16% revolving credit utilized. Revolving credit utilization is less than 30%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $139692.39, 39.56 months reserves, 0 months required |

---

## Exhibit 99.30

**EXHIBIT 99.30**

**Clayton loan level tape compare upload**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-12 |
| **Start - End Dates:** | 5/22/2025 - 10/23/2025 |
| **Deal Loan Count:** | 111 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *111* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 842192 | (No Data) | Number of Units | 4 | 3 |
| 842192 | (No Data) | Property Type | 4 Family | 3 Family |
| 842193 | xxxxxx | Borrower DSCR Percent | 0.3000 | 0.4221 |
| 842205 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 842208 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 842212 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 842212 | xxxxxx | Total Cash Out | 148267.68 | 148377.68 |
| 842213 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 842216 | (No Data) | Total Cash Out | 53054.39 | 53167.65 |
| 842219 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 842222 | xxxxxx | Cash Reserves | 41813.58 | 25557.34 |
| 842222 | xxxxxx | Months Reserves | 19.00 | 12.17 |
| 842222 | xxxxxx | Total Cash Out | 41813.58 | 25557.34 |
| 842227 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 842233 | (No Data) | Total Cash Out | 143883.07 | 144123.07 |
| 842245 | (No Data) | Cash Reserves | 319738.58 | 146400.58 |
| 842245 | (No Data) | Months Reserves | 83.00 | 38.27 |
| 842248 | xxxxxx | Cash Reserves | 108350.97 | 32154.58 |
| 842248 | xxxxxx | Months Reserves | 41.00 | 12.46 |
| 842257 | xxxxxx | Cash Reserves | 313046.00 | 331402.15 |
| 842257 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 842257 | xxxxxx | Months Reserves | 90.00 | 95.58 |
| 842259 | xxxxxx | Cash Reserves | 953444.71 | 495107.75 |
| 842259 | xxxxxx | Months Reserves | 231.00 | 120.37 |
| 842262 | (No Data) | Property Type | SFR-Attached | SFR |
| 842263 | xxxxxx | Cash Reserves | 833728.18 | 351901.67 |
| 842263 | xxxxxx | Months Reserves | 494.00 | 208.73 |
| 842271 | xxxxxx | Cash Reserves | 687498.81 | 5000.00 |
| 842271 | xxxxxx | Months Reserves | 189.00 | 1.45 |
| 842272 | xxxxxx | Cash Reserves | 241920.24 | 32859.01 |
| 842272 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 842272 | xxxxxx | Months Reserves | 63.00 | 9.56 |
| 842275 | (No Data) | Total Cash Out | 239927.09 | 239983.25 |
| 842276 | (No Data) | Cash Reserves | 270847.97 | 0.00 |
| 842276 | (No Data) | Months Reserves | 64.00 | 0.00 |
| 842276 | (No Data) | Total Cash Out | 273074.95 | 266079.47 |
| 842277 | (No Data) | Total Cash Out | 1895570.53 | 405761.00 |
| 842288 | xxxxxx | Cash Reserves | 165630.39 | 149821.49 |
| 842288 | xxxxxx | Months Reserves | 53.00 | 51.66 |
| 842288 | xxxxxx | Total Cash Out | 149630.39 | 149821.49 |
| 842289 | xxxxxx | Cash Reserves | 184630.08 | 309471.08 |
| 842289 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 842289 | xxxxxx | Months Reserves | 26.00 | 43.73 |
| 842748 | (No Data) | Cash Reserves | 196769.15 | 41457.76 |
| 842748 | (No Data) | Months Reserves | 108.00 | 15.84 |
| 842748 | (No Data) | Total Cash Out | 86039.32 | 0.00 |
| 842752 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 842752 | (No Data) | Cash Reserves | 47047.46 | 17767.83 |
| 842752 | (No Data) | Combined LTV | 70.02 | 75.00 |
| 842752 | (No Data) | Months Reserves | 7.00 | 17.96 |
| 842752 | (No Data) | Total Cash Out | 40438.29 | 0.00 |
| 842765 | xxxxxx | Cash Reserves | 194485.00 | 22191.39 |
| 842765 | xxxxxx | Combined LTV | 51.11 | 54.93 |
| 842765 | xxxxxx | Months Reserves | 156.00 | 9.45 |
| 842765 | xxxxxx | Total Cash Out | 172293.61 | 0.00 |
| 842771 | xxxxxx | Total Cash Out | 95261.80 | 95164.80 |
| 842772 | xxxxxx | Cash Reserves | 45356.44 | 10575.34 |
| 842772 | xxxxxx | Combined LTV | 72.32 | 75.00 |
| 842772 | xxxxxx | Months Reserves | 90.00 | 11.01 |
| 842772 | xxxxxx | Total Cash Out | 40622.94 | 0.00 |
| 843043 | xxxxxx | Documentation Type | No Doc | DSCR |
| 843044 | xxxxxx | Documentation Type | No Doc | DSCR |
| 843147 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 843149 | xxxxxx | Cash Reserves | 164067.02 | 10176.59 |
| 843149 | xxxxxx | Months Reserves | 313.00 | 10.26 |
| 843149 | xxxxxx | Total Cash Out | 145909.43 | 0.00 |
| 843152 | xxxxxx | Total Cash Out | 8809.77 | 0.00 |
| 843158 | xxxxxx | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 843158 | xxxxxx | Cash Reserves | 558341.93 | 256817.39 |
| 843158 | xxxxxx | Months Reserves | 290.00 | 83.74 |
| 843158 | xxxxxx | Total Cash Out | 338295.19 | 0.00 |
| 843180 | (No Data) | Cash Reserves | 751457.00 | 285211.89 |
| 843180 | (No Data) | Combined LTV | 60.82 | 70.00 |
| 843180 | (No Data) | Months Reserves | 475.00 | 200.52 |
| 843180 | (No Data) | Total Cash Out | 75842.75 | 0.00 |
| 843181 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 843181 | (No Data) | Cash Reserves | 589222.12 | 404828.33 |
| 843181 | (No Data) | Months Reserves | 67.00 | 68.45 |
| 843181 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 843181 | (No Data) | Total Cash Out | 193484.23 | 0.00 |
| 843841 | xxxxxx | Total Cash Out | 149785.68 | 148416.65 |
| 843863 | xxxxxx | Cash Reserves | 50951.89 | 7743.33 |
| 843863 | xxxxxx | Combined LTV | 70.00 | 75.00 |
| 843863 | xxxxxx | Months Reserves | 73.00 | 6.00 |
| 843863 | xxxxxx | Total Cash Out | 43208.67 | 0.00 |
| 843864 | xxxxxx | Cash Reserves | 70665.83 | 7008.92 |
| 843864 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 843864 | xxxxxx | Months Reserves | 119.00 | 6.19 |
| 843864 | xxxxxx | Total Cash Out | 63686.12 | 0.00 |
| 843872 | (No Data) | Cash Reserves | 434479.26 | 364102.66 |
| 843872 | (No Data) | Months Reserves | 122.00 | 121.74 |
| 843872 | (No Data) | Total Cash Out | 70376.60 | 0.00 |
| 844250 | xxxxxx | Borrower 1 Self Employed Flag | Yes | No |
| 844250 | xxxxxx | Borrower DSCR Percent | 1.0450 | 1.2239 |
| 844250 | xxxxxx | Cash Reserves | 27000.00 | 259470.47 |
| 844250 | xxxxxx | Months Reserves | 66.00 | 61.07 |
| 844376 | (No Data) | Documentation Type | No Doc | DSCR |
| 844613 | (No Data) | Borrower DSCR Percent | 1.5446 | 1.2357 |
| 844613 | (No Data) | Cash Reserves | 299970.10 | 166262.56 |
| 844613 | (No Data) | Combined LTV | 58.73 | 65.00 |
| 844613 | (No Data) | Months Reserves | 47.00 | 57.58 |
| 844613 | (No Data) | Total Cash Out | 164585.74 | 0.00 |
| 844677 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 844677 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 844677 | (No Data) | Combined LTV | 71.72 | 75.00 |
| 844677 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 844677 | (No Data) | Total Cash Out | 56098.82 | 0.00 |
| 844679 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 844679 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 844679 | (No Data) | Cash Reserves | 112108.80 | 38984.73 |
| 844679 | (No Data) | Months Reserves | 54.00 | 18.11 |
| 844679 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 844679 | (No Data) | Total Cash Out | (3419.30) | 0.00 |
| 844921 | xxxxxx | Documentation Type | Alt Doc | Alt Doc/Bank Statements |
| 844924 | xxxxxx | Product Type | xxxxxx | xxxxxx |
| 844924 | xxxxxx | Total Cash Out | 92283.55 | 92488.55 |
| 844926 | (No Data) | Cash Reserves | 295240.00 | 242816.89 |
| 844926 | (No Data) | Months Reserves | 275.00 | 181.64 |
| 844926 | (No Data) | Total Cash Out | 71875.99 | 0.00 |
| 844927 | xxxxxx | Cash Reserves | 89500.06 | 44559.18 |
| 844927 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 844927 | xxxxxx | Months Reserves | 30.00 | 14.24 |
| 844927 | xxxxxx | Original P&I | 2427.73 | 2427.74 |
| 844927 | xxxxxx | Total Cash Out | (3796.20) | 0.00 |
| 844929 | (No Data) | Cash Reserves | 189956.00 | 28736.03 |
| 844929 | (No Data) | Months Reserves | 5.00 | 6.21 |
| 844929 | (No Data) | Total Cash Out | 168783.70 | 0.00 |
| 844956 | xxxxxx | Cash Reserves | 294831.30 | 235462.72 |
| 844956 | xxxxxx | Months Reserves | 157.00 | 156.26 |
| 844956 | xxxxxx | Product Type | xxxxxx | xxxxxx |
| 844956 | xxxxxx | Total Cash Out | 58817.28 | 0.00 |
| 845162 | xxxxxx | Combined LTV | 38.53 | 74.71 |
| 845162 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 845468 | xxxxxx | Product Type | xxxxxx | xxxxxx |
| 845469 | (No Data) | Cash Reserves | 931646.58 | 1096636.40 |
| 845469 | (No Data) | Months Reserves | 234.00 | 333.76 |
| 845469 | (No Data) | Prepay Penalty Flag | Yes | No |
| 845469 | (No Data) | Product Type | xxxxxx | xxxxxx |
| 845469 | (No Data) | Property Type | Low Rise Condo (1-4) | Site Condo |
| 845469 | (No Data) | Total Cash Out | 161194.14 | 0.00 |
| 845558 | xxxxxx | Borrower 1 Total Income | 186758.17 | 186179.02 |
| 845558 | xxxxxx | Cash Reserves | 623225.16 | 1444644.69 |
| 845558 | xxxxxx | Debt to Income Ratio (Back) | 24.2960 | 28.9227 |
| 845558 | xxxxxx | Months Reserves | 793.00 | 341.68 |
| 845558 | xxxxxx | Product Type | xxxxxx | xxxxxx |
| 845558 | xxxxxx | Total Cash Out | (119.32) | 0.00 |
| 845558 | xxxxxx | Total Monthly Income | 186758.17 | 186179.02 |
| 845559 | xxxxxx | Cash Reserves | 34810.82 | 187797.90 |
| 845559 | xxxxxx | Combined LTV | 82.47 | 85.00 |
| 845559 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 845559 | xxxxxx | Months Reserves | 30.00 | 14.03 |
| 845559 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 845559 | xxxxxx | Property Type | SFR | Detached PUD |
| 845816 | xxxxxx | Cash Reserves | 276175.60 | 75541.87 |
| 845816 | xxxxxx | Months Reserves | 26.00 | 17.44 |
| 845816 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 845816 | xxxxxx | Total Cash Out | 163170.73 | 0.00 |
| 845874 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 845874 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 846017 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 846177 | xxxxxx | Combined LTV | 24.77 | 73.88 |
| 846177 | xxxxxx | Total Cash Out | 177687.19 | 177430.19 |
| 846256 | xxxxxx | Borrower 1 Total Income | 11055.74 | 10997.36 |
| 846256 | xxxxxx | Combined LTV | 15.65 | 58.40 |
| 846256 | xxxxxx | Total Cash Out | 91596.76 | 91117.76 |
| 846256 | xxxxxx | Total Monthly Income | 11055.74 | 10997.36 |
| 846338 | xxxxxx | Documentation Type | Full Doc | Asset Depletion |
| 846373 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 846653 | xxxxxx | Borrower 1 Total Income | 160843.86 | 170324.32 |
| 846653 | xxxxxx | Cash Reserves | 231937.42 | 174170.06 |
| 846653 | xxxxxx | Debt to Income Ratio (Back) | 6.1300 | 3.1101 |
| 846653 | xxxxxx | Months Reserves | 40.00 | 38.79 |
| 846653 | xxxxxx | Total Monthly Income | 160843.86 | 170324.32 |
| 846809 | xxxxxx | Cash Reserves | 1626548.61 | 624685.10 |
| 846809 | xxxxxx | Combined LTV | 44.72 | 50.00 |
| 846809 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 846809 | xxxxxx | Months Reserves | 68.00 | 64.92 |
| 846809 | xxxxxx | Next Payment Change Date | xxxxxx | xxxxxx |
| 846809 | xxxxxx | Product Type | 7/1 ARM | 7/6 ARM |
| 846809 | xxxxxx | Total Cash Out | 969619.96 | 0.00 |
| 846832 | xxxxxx | Cash Reserves | 598483.11 | 392233.11 |
| 846832 | xxxxxx | Combined LTV | 64.47 | 75.00 |
| 846832 | xxxxxx | Months Reserves | 105.00 | 51.11 |
| 846832 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 846832 | xxxxxx | Total Cash Out | 206250.00 | 0.00 |
| 847011 | (No Data) | Cash Reserves | 177428.66 | 86656.40 |
| 847011 | (No Data) | Months Reserves | 172.00 | 53.27 |
| 847011 | (No Data) | Total Cash Out | 101772.26 | 0.00 |
| 847012 | (No Data) | Borrower DSCR Percent | 2.3499 | 2.4878 |
| 847012 | (No Data) | Credit Report Date | xxxxxx | xxxxxx |
| 847012 | (No Data) | Original P&I | 8740.18 | 8211.61 |
| 847015 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 847334 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 847334 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 847334 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 847564 | xxxxxx | Borrower 1 Total Income | 27047.89 | 27157.32 |
| 847564 | xxxxxx | Cash Reserves | 915066.60 | 47476.94 |
| 847564 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 847564 | xxxxxx | Months Reserves | 5.00 | 5.59 |
| 847564 | xxxxxx | Total Cash Out | (479.45) | 0.00 |
| 847564 | xxxxxx | Total Monthly Income | 27047.89 | 27157.32 |
| 847569 | xxxxxx | Cash Reserves | 4316832.00 | 3071982.32 |
| 847569 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 847569 | xxxxxx | Months Reserves | 596.00 | 425.03 |
| 847569 | xxxxxx | Total Cash Out | (228.60) | 0.00 |
| 847572 | xxxxxx | Borrower 1 Total Income | 101064.56 | 101071.86 |
| 847572 | xxxxxx | Total Cash Out | 693146.37 | 696426.37 |
| 847572 | xxxxxx | Total Monthly Income | 101064.56 | 101071.86 |
| 847622 | xxxxxx | Cash Reserves | 283505.31 | 21542.82 |
| 847622 | xxxxxx | Months Reserves | 10.00 | 4.84 |
| 847622 | xxxxxx | Prepay Penalty Term | 60 | 12 |
| 847622 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 847622 | xxxxxx | Total Cash Out | 231750.16 | 0.00 |
| 847668 | xxxxxx | Property Type | SFR | Detached PUD |
| 847668 | xxxxxx | Representative Credit Score for Grading | 803 | 802 |
| 847855 | xxxxxx | Property Type | SFR | 2 Family |
| 847855 | xxxxxx | Sales Price | xxxxxx | xxxxxx |
| 848346 | xxxxxx | Borrower 1 Total Income | 15173.89 | 14930.20 |
| 848346 | xxxxxx | Combined LTV | 26.12 | 66.04 |
| 848346 | xxxxxx | Total Cash Out | 224665.65 | 243558.35 |
| 848346 | xxxxxx | Total Monthly Income | 15173.89 | 14930.20 |
| 848496 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 848533 | xxxxxx | Borrower 1 Total Income | 5287.24 | 5284.11 |
| 848533 | xxxxxx | Combined LTV | 26.18 | 80.00 |
| 848533 | xxxxxx | Total Cash Out | 179357.10 | 197383.67 |
| 848533 | xxxxxx | Total Monthly Income | 10574.48 | 10568.22 |
| 848818 | xxxxxx | Cash Reserves | 1463635.32 | 1488646.27 |
| 848818 | xxxxxx | Combined LTV | 74.59 | 80.00 |
| 848818 | xxxxxx | Documentation Type | Asset Depletion | Alt Doc/Bank Statements |
| 848818 | xxxxxx | Months Reserves | 193.00 | 229.46 |
| 848818 | xxxxxx | Total Cash Out | 214616.39 | 0.00 |
| 849182 | xxxxxx | Documentation Type | Alt Doc/Bank Statements | Alt Doc |
| 849182 | xxxxxx | Property Type | SFR | Detached PUD |
| 849501 | xxxxxx | Combined LTV | 16.25 | 68.58 |
| 849502 | xxxxxx | Borrower 1 Total Income | 15634.32 | 15634.92 |
| 849502 | xxxxxx | Combined LTV | 44.38 | 73.62 |
| 849502 | xxxxxx | Total Cash Out | 331762.17 | 337215.67 |
| 849502 | xxxxxx | Total Monthly Income | 15634.32 | 15634.92 |
| 849503 | xxxxxx | Borrower 1 Total Income | 8489.67 | 8489.72 |
| 849503 | xxxxxx | Combined LTV | 25.00 | 71.95 |
| 849503 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 849503 | xxxxxx | Total Cash Out | 139647.39 | 139944.39 |
| 849503 | xxxxxx | Total Monthly Income | 8489.67 | 8489.72 |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.31

**EXHIBIT 99.31**

**Clayton non atr qm upload**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-12** |
| **Start - End Dates:** | **5/22/2025 - 10/23/2025** |
| **Deal Loan Count:** | **111** |
| **Non ATR QM Upload** | **Non ATR QM Upload** |
| *Loans in Report:* | *111* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 842128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2411.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.0370 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2378.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 0.9460 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842192 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2831.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4100.00 | No | (No Data) | 1.4481 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842193 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6483.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2736.80 | No | (No Data) | 0.4221 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842198 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4138.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 0.5798 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4674.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.0696 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3751.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2995.00 | No | (No Data) | 0.7982 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3478.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5800.00 | No | (No Data) | 1.6675 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1225.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1250.00 | No | (No Data) | 1.0202 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1764.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.1335 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1973.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.1100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842213 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -17713.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 19000.00 | No | (No Data) | 1.0726 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842215 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1195.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.4216 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842216 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1198.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1200.00 | No | (No Data) | 1.0009 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842219 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1336.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1575.00 | No | (No Data) | 1.1788 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842222 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2099.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.4287 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842225 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12887.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10900.00 | No | (No Data) | 1.0900 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2283.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2450.00 | No | (No Data) | 1.0727 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842227 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1931.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1950.00 | No | (No Data) | 1.0100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842228 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 0.778 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1894.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.1083 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842233 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1425.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1950.00 | No | (No Data) | 1.3681 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842239 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1115.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.2549 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842245 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3825.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.3068 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842246 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2133.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2150.00 | No | (No Data) | 1.0075 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842248 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2581.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842249 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3062.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.1756 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842252 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3344.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.4951 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3467.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3500.00 | 1.0094 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842259 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4113.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3700.00 | No | (No Data) | 0.8995 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842260 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2183 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.0535 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842262 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1352.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1450.00 | No | (No Data) | 1.0721 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842263 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1685.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1975.00 | No | (No Data) | 1.1714 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842264 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1696.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.0020 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842268 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6493.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7000.00 | No | (No Data) | 1.0780 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842271 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3448.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7546.66 | No | (No Data) | 2.1886 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842272 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3438.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 1.0178 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842275 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2174.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2200.00 | 1.0117 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842276 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7499 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3956.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.0110 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842277 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0.931 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -16432.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 16500.00 | No | (No Data) | 1.0040 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) |
| 842278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1910.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2230.00 | No | (No Data) | 1.1671 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842288 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2899.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842289 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7076.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7500.00 | No | (No Data) | 1.0599 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842338 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3604.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.1880 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842748 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2616.46 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2620.00 | No | (No Data) | 1.0014 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -989.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.7186 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842765 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2348.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2425.00 | No | (No Data) | 1.0325 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842771 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1076.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 1.6254 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 842772 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -960.33 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1675.00 | No | (No Data) | 1.7442 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843043 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepaid in 12 mos | (No Data) | Yes | Yes | 1 | 7.8194 | No | No | 7.075 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5007.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4300.00 | 0.88 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - Month-to-Month | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843044 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepaid in 12 mos | (No Data) | Yes | Yes | 1 | 7.8201 | No | No | 7.082 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4689.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3960.00 | 0.87 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - Month-to-Month | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2924.17 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3100.00 | No | (No Data) | 1.0601 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -991.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.7141 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843152 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6250.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 0.6400 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843158 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3066.74 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3100.00 | No | (No Data) | 1.0108 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1422.38 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2750.00 | No | (No Data) | 1.9334 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843181 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5913.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3880.00 | No | (No Data) | 0.6561 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843841 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4398 | Yes | Yes | 0.687 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.67 | 37.67 | 37.67 | 37.67 | 37.67 | 37.67 | No | No | (No Data) | 46317.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 72 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843863 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1289.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.0856 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1131.48 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 2.2979 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 843872 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2990.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7360.00 | No | (No Data) | 2.4617 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4248.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5200.00 | 1.2239 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844376 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8987 | No | No | 5.027 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5874.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4350.00 | No | (No Data) | 0.76 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844613 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2887.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3568.00 | No | (No Data) | 1.2357 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844677 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2095.16 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2966.40 | No | (No Data) | 1.4158 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844679 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2152.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.0683 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844921 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9416 | Yes | No | 2.78 | 2.780 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.5 | 4.14 | 0 | 4.14 | 4.14 | 4.14 | No | No | (No Data) | 254885.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844924 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4856.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 0.9266 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844926 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.9901 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1336.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1150.00 | No | (No Data) | 0.8603 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844927 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3128.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 0.9590 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844929 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4627.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3900.00 | No | (No Data) | 0.8427 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844956 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1506.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.1282 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844977 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1738.9 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.3802 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 844978 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2167.17 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2245.00 | No | (No Data) | 1.0359 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 845162 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 9.2500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.84 | 0 | 40.84 | 40.84 | 40.84 | (No Data) | (No Data) | (No Data) | 9885.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 6 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 6 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 845468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4546.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.0998 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 845469 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Site Condo | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3285.72 | Yes | 60 | Yes | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 0.7609 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 845558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.92 | 0 | 28.92 | 28.92 | 29.1 | (No Data) | (No Data) | (No Data) | 132330.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 845559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7749 | No | No | 0.22 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.26 | 46.27 | 46.26 | 46.27 | 46.27 | 46.27 | No | Yes | Yes | 21086.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 845571 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1336.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.8710 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 845816 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4331.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3250.00 | No | (No Data) | 0.7503 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 845874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 3.15 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -17442.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 7000.00 | 0.9240 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846017 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XX/XX/XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0146 | No | No | 1.323 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.06 | 48.06 | 48.06 | 48.06 | 48.06 | 48.06 | No | No | (No Data) | 8206.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 846177 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.3444 | Yes | Yes | 1.248 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.49 | 22.49 | 22.49 | 22.49 | 22.49 | 22.49 | No | No | (No Data) | 26062.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846256 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.8311 | Yes | Yes | 2.64 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.53 | 23.66 | 23.66 | 23.66 | 23.66 | 23.66 | No | No | (No Data) | 8395.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846338 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.1454 | Yes | No | 3.09 | 3.090 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.64 | 45.89 | 0 | 42.86 | 42.86 | 45.89 | No | Yes | Yes | 18146.92 | Yes | 60 | No | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 4 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846373 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2431 | Yes | Yes | 1.101 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 8.7 | 8.67 | 8.7 | 8.67 | 8.67 | 8.67 | No | No | (No Data) | 360564.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 216 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846653 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5235 | Yes | Yes | 1.491 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.13 | 3.11 | 6.13 | 3.11 | 3.11 | 3.11 | No | No | (No Data) | 165027.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846809 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0486 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9622.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8000.00 | No | (No Data) | 0.8314 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 846832 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7674.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6500.00 | No | (No Data) | 0.8470 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847011 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1626.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1250.00 | No | (No Data) | 0.7684 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847012 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9003.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 22400.00 | No | (No Data) | 2.4878 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847015 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2048.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 0.8785 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847334 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd that is >20% of OPB | (No Data) | No | Yes | 1 | 7.0000 | Yes | No | 2.8 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 6.36 | 0 | 6.36 | 6.36 | 6.36 | (No Data) | (No Data) | (No Data) | 75775.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8979 | No | No | 2.323 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.98 | 47.79 | 47.98 | 47.79 | 47.79 | 47.79 | No | No | (No Data) | 14179.52 | Yes | 60 | Yes | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847569 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1506 | Yes | Yes | 2.215 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.37 | 40.36 | 40.36 | 40.36 | 40.36 | 40.36 | No | No | (No Data) | 19780.85 | Yes | 60 | Yes | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847572 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2119 | Yes | Yes | 0.84 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | Not Applicable | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.31 | 26.24 | 26.31 | 26.24 | 26.24 | 26.24 | No | No | (No Data) | 74545.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4448.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3100.00 | No | (No Data) | 0.6969 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 847668 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4039 | Yes | No | 1.174 | 1.174 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.78 | 40.97 | 0 | 40.97 | 40.97 | 40.97 | Yes | Yes | Yes | 16090.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847801 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4226.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3360.00 | No | (No Data) | 0.7950 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | Yes | No | 3.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.85 | 0 | 39.85 | 39.85 | 39.85 | (No Data) | (No Data) | (No Data) | 45749.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848247 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 36.82 | 0 | 36.82 | 36.82 | 36.82 | (No Data) | (No Data) | (No Data) | 5180.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 30 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848346 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 7.6859 | No | Yes | 1.431 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.44 | 43.14 | 42.44 | 43.14 | 43.14 | 43.14 | No | Yes | Yes | 8489.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848352 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4346 | No | No | 2.858 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.16 | 47.16 | 47.16 | 47.16 | 47.16 | 47.16 | No | No | (No Data) | 4174.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0332 | No | No | 0.182 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.62 | 43.82 | 45.62 | 43.82 | 43.82 | 43.82 | No | No | (No Data) | 10414.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 31 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 19 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 31 months | CPA Letter - 24 months;<br> P & L - 19 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848533 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 9.0040 | Yes | Yes | 2.04 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.2 | 42.17 | 42.2 | 42.17 | 42.17 | 42.17 | No | No | (No Data) | 6111.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter - 36 months | Business Bank Statements - 24 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848818 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8533 | Yes | Yes | 2.307 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.85 | 36.85 | 36.85 | 36.85 | 36.85 | 36.85 | No | No | (No Data) | 14944.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848908 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 3.438 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.61 | 0 | 44.61 | 44.61 | 44.61 | (No Data) | (No Data) | (No Data) | 37231.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 20 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | CPA Letter - 24 months;<br> P & L - 20 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849182 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2676 | Yes | No | 3.895 | 3.895 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.33 | 36.21 | 0 | 36.21 | 36.21 | 36.21 | No | Yes | Yes | 5350.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 11.3027 | No | No | 2.329 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.79 | 45.7 | 45.79 | 45.7 | 45.7 | 45.7 | No | No | (No Data) | 8317.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849502 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 9.9022 | No | No | 2.738 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.66 | 49.35 | 49.66 | 49.35 | 49.35 | 49.35 | No | No | (No Data) | 7918.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 12 months;<br> P & L Only - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849503 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 10.3403 | No | Yes | 2.257 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.49 | 54.28 | 42.49 | 54.28 | 54.28 | 54.28 | No | No | (No Data) | 3881.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.32

**EXHIBIT 99.32**

**clayton rating agency grades report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2025-12** |
| **Start - End Dates:** | **5/22/2025 - 10/23/2025** |
| **Deal Loan Count:** | **111** |
| **Rating Agency Grades** | **Rating Agency Grades** |
| ***Loans in Report:*** | *111* |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ***Loan Number*** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Morningstar/DBRS Initial Securitization Loan Compliance Grade** | **Morningstar/DBRS Final Securitization Loan Compliance Grade** | **Initial Fitch Loan Compliance Grade** | **Final Fitch Loan Compliance Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Loan Property Valuations Grade** | **Initial Moodys Loan Compliance Grade** | **Final Moodys Loan Compliance Grade** | **Initial KBRA Loan Compliance Grade** | **Final KBRA Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 842128 | No | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842190 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842192 | No | xxxxxx | xxxxxx D B A | N/A | N/A D B | N/A | N/A | D | B | B | B | D | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A |
| 842193 | No | xxxxxx | xxxxxx C B A | A | A C B | A | A | C | B | C | B | A | A | A | A C B | A | A C B | A | A |
| 842198 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842199 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | A | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 842200 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 842205 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | A | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 842208 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A |
| 842209 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 842212 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842213 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842215 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A | C | A | C | A | A | A | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 842216 | No | xxxxxx | xxxxxx D B A | N/A | N/A D B | N/A | N/A | D | B | B | B | D | A | N/A | N/A D B | N/A | N/A D B | N/A | N/A |
| 842219 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 842222 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 842225 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 842226 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842227 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 842228 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 842233 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 842239 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842245 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 842246 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842248 | No | xxxxxx | xxxxxx D B A | A | A D B | A | A | D | B | B | B | D | A | A | A D B | A | A D B | A | A |
| 842249 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842252 | No | xxxxxx | xxxxxx C B A | A | A C B | A | A | C | B | C | B | A | A | A | A C B | A | A C B | A | A |
| 842257 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842259 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 842260 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | A | A | B | B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 842262 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842263 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842264 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842268 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | A | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 842271 | No | xxxxxx | xxxxxx D B C A | A | A D B C | A | A | D | B | D | B | C | A | A | A D B C | A | A D B C | A | A |
| 842272 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | D | A | A | A D | A | A D | A | A |
| 842275 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842276 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 842277 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 842278 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842288 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842289 | No | xxxxxx | xxxxxx D B A | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A |
| 842338 | No | xxxxxx | Not Applicable | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842748 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842752 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 842765 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842771 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842772 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843043 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843044 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843147 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843149 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843152 | No | xxxxxx | xxxxxx C B A | A | A C B | A | A | C | B | B | B | C | A | A | A C B | A | A C B | A | A |
| 843158 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843180 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 843181 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | A | A | B | B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 843841 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843863 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843864 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843872 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844250 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 844376 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 844613 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844677 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 844679 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A | C | A | C | A | A | A | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 844921 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 844924 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 844926 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844927 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | A | A |
| 844929 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 844956 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 844977 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 844978 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845162 | No | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 845468 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 845469 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A | C | A | A | A | C | A | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 845558 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 845559 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 845571 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845816 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 845874 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 846017 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A |
| 846177 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 846256 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 846338 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 846373 | Yes | xxxxxx | Not Applicable | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 846653 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 846809 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 846832 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 847011 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847012 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847015 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847334 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 847564 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B | C | B | B | B | A | A | C | B C A | C | B C A | C | B |
| 847569 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 847572 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 847622 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 847668 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 847801 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 847855 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 848247 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 848346 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 848352 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A |
| 848496 | Yes | xxxxxx | Not Applicable D | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A |
| 848533 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 848818 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 848908 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A | C | A | C | A | A | A | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 849182 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A |
| 849501 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | A | A B | A | A |
| 849502 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | A | A |
| 849503 | Yes | xxxxxx | xxxxxx D B C A | D | A D B C | D | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A D B C | D | A D B C | D | A |

---

## Exhibit 99.33

**EXHIBIT 99.33**

**clayton valuations summary**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2025-12 |
| **Start - End Dates:** | 5/22/2025 - 10/23/2025 |
| **Deal Loan Count:** | 111 |
| **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *111* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **AUS Infomation** |
| **Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 842128 | xxxxxx | xxxxxx | xxxxxx | 06/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/03/2025 | xxxxxx | $0.00 | 0.00% | 1.7 |
| 842190 | xxxxxx | xxxxxx | xxxxxx | 05/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842192 | xxxxxx | xxxxxx | xxxxxx | 04/08/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/15/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 842193 | xxxxxx | xxxxxx | xxxxxx | 02/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/31/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 842198 | xxxxxx | xxxxxx | xxxxxx | 04/28/2024 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/08/2025 | xxxxxx | xxxxxx | 5.45% | 2.9 |
| 842199 | xxxxxx | xxxxxx | xxxxxx | 04/12/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% | Other |  | Other | 05/06/2025 | xxxxxx | xxxxxx | 0.30% | (No Data) |
| 842200 | xxxxxx | xxxxxx | xxxxxx | 04/14/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842205 | xxxxxx | xxxxxx | xxxxxx | 04/14/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | Other | 04/24/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 842208 | xxxxxx | xxxxxx | xxxxxx | 05/06/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842209 | xxxxxx | xxxxxx | xxxxxx | 04/30/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842212 | xxxxxx | xxxxxx | xxxxxx | 05/12/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/28/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 842213 | xxxxxx | xxxxxx | xxxxxx | 05/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  | 05/29/2025 | xxxxxx | xxxxxx | -0.22% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 842215 | xxxxxx | xxxxxx | xxxxxx | 04/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 842216 | xxxxxx | xxxxxx | xxxxxx | 05/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | Other | 05/29/2025 | xxxxxx | $0.00 | 0.00% | 4.1 |
| 842219 | xxxxxx | xxxxxx | xxxxxx | 05/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 842222 | xxxxxx | xxxxxx | xxxxxx | 05/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 842225 | xxxxxx | xxxxxx | xxxxxx | 04/22/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/15/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 842226 | xxxxxx | xxxxxx | xxxxxx | 05/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/02/2025 | xxxxxx | $0.00 | 0.00% | 2.6 |
| 842227 | xxxxxx | xxxxxx | xxxxxx | 05/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842228 | xxxxxx | xxxxxx | xxxxxx | 05/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 842233 | xxxxxx | xxxxxx | xxxxxx | 05/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 842239 | xxxxxx | xxxxxx | xxxxxx | 05/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 842245 | xxxxxx | xxxxxx | xxxxxx | 05/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | Other | 06/03/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 842246 | xxxxxx | xxxxxx | xxxxxx | 05/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 842248 | xxxxxx | xxxxxx | xxxxxx | 05/27/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | Other | 06/03/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 842249 | xxxxxx | xxxxxx | xxxxxx | 06/04/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/13/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 842252 | xxxxxx | xxxxxx | xxxxxx | 06/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842257 | xxxxxx | xxxxxx | xxxxxx | 01/30/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 842259 | xxxxxx | xxxxxx | xxxxxx | 06/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842260 | xxxxxx | xxxxxx | xxxxxx | 05/06/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842262 | xxxxxx | xxxxxx | xxxxxx | 05/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 842263 | xxxxxx | xxxxxx | xxxxxx | 06/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842264 | xxxxxx | xxxxxx | xxxxxx | 05/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842268 | xxxxxx | xxxxxx | xxxxxx | 05/28/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | Other | 06/11/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 842271 | xxxxxx | xxxxxx | xxxxxx | 12/13/2024 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842272 | xxxxxx | xxxxxx | xxxxxx | 04/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | Other | 04/24/2025 | xxxxxx | $0.00 | 0.00% | 2.7 |
| 842275 | xxxxxx | xxxxxx | xxxxxx | 05/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 05/19/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 842276 | xxxxxx | xxxxxx | xxxxxx | 04/10/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 842277 | xxxxxx | xxxxxx | xxxxxx | 01/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 842278 | xxxxxx | xxxxxx | xxxxxx | 05/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842288 | xxxxxx | xxxxxx | xxxxxx | 06/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/11/2025 | xxxxxx | $0.00 | 0.00% | 2.6 |
| 842289 | xxxxxx | xxxxxx | xxxxxx | 06/06/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 842338 | xxxxxx | xxxxxx | xxxxxx | 06/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/03/2025 | xxxxxx | $0.00 | 0.00% | 2 |
| 842748 | xxxxxx | xxxxxx | xxxxxx | 06/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/01/2025 | xxxxxx | $0.00 | 0.00% | 1 |
| 842752 | xxxxxx | xxxxxx | xxxxxx | 06/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/24/2025 | xxxxxx | $0.00 | 0.00% | 4.1 |
| 842765 | xxxxxx | xxxxxx | xxxxxx | 06/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/09/2025 | xxxxxx | $0.00 | 0.00% | 1.3 |
| 842771 | xxxxxx | xxxxxx | xxxxxx | 05/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 842772 | xxxxxx | xxxxxx | xxxxxx | 06/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/21/2025 | xxxxxx | $0.00 | 0.00% | 3.1 |
| 843043 | xxxxxx | xxxxxx | xxxxxx | 07/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/21/2025 | xxxxxx | $0.00 | 0.00% | 1.3 |
| 843044 | xxxxxx | xxxxxx | xxxxxx | 07/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/22/2025 | xxxxxx | $0.00 | 0.00% | 1 |
| 843147 | xxxxxx | xxxxxx | xxxxxx | 07/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/24/2025 | xxxxxx | $0.00 | 0.00% | 1.2 |
| 843149 | xxxxxx | xxxxxx | xxxxxx | 07/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | xxxxxx | 07/14/2025 | xxxxxx | xxxxxx | 3.02% | xxxxxx | 97 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 843152 | xxxxxx | xxxxxx | xxxxxx | 06/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 06/30/2025 | xxxxxx | $0.00 | 0.00% | 4.7 |
| 843158 | xxxxxx | xxxxxx | xxxxxx | 06/17/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/15/2025 | xxxxxx | $0.00 | 0.00% | 1.2 |
| 843180 | xxxxxx | xxxxxx | xxxxxx | 06/30/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/16/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 843181 | xxxxxx | xxxxxx | xxxxxx | 06/27/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 843841 | xxxxxx | xxxxxx | xxxxxx | 07/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 843863 | xxxxxx | xxxxxx | xxxxxx | 07/14/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/28/2025 | xxxxxx | $0.00 | 0.00% | 2.8 |
| 843864 | xxxxxx | xxxxxx | xxxxxx | 03/13/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 04/03/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 843872 | xxxxxx | xxxxxx | xxxxxx | 07/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 844250 | xxxxxx | xxxxxx | xxxxxx | 06/14/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 844376 | xxxxxx | xxxxxx | xxxxxx | 07/14/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/23/2025 | xxxxxx | $0.00 | 0.00% | 1 |
| 844613 | xxxxxx | xxxxxx | xxxxxx | 07/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/29/2025 | xxxxxx | $0.00 | 0.00% | 1.8 |
| 844677 | xxxxxx | xxxxxx | xxxxxx | 07/22/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 07/25/2025 | xxxxxx | xxxxxx | -4.39% | xxxxxx | 96 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 844679 | xxxxxx | xxxxxx | xxxxxx | 06/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 844921 | xxxxxx | xxxxxx | xxxxxx | 07/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/17/2025 | xxxxxx | $0.00 | 0.00% | 1.2 |
| 844924 | xxxxxx | xxxxxx | xxxxxx | 07/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 844926 | xxxxxx | xxxxxx | xxxxxx | 04/20/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/22/2025 | xxxxxx | $0.00 | 0.00% | 1.3 |
| 844927 | xxxxxx | xxxxxx | xxxxxx | 06/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 844929 | xxxxxx | xxxxxx | xxxxxx | 06/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 844956 | xxxxxx | xxxxxx | xxxxxx | 04/24/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 06/21/2025 | xxxxxx | xxxxxx | 0.77% | xxxxxx | 95 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 844977 | xxxxxx | xxxxxx | xxxxxx | 05/02/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/04/2025 | xxxxxx | $0.00 | 0.00% | 1.2 |
| 844978 | xxxxxx | xxxxxx | xxxxxx | 05/14/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/05/2025 | xxxxxx | $0.00 | 0.00% | 1.2 |
| 845162 | xxxxxx | xxxxxx | xxxxxx | 08/12/2025 | xxxxxx | 2055 Ext Only (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/27/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 845468 | xxxxxx | xxxxxx | xxxxxx | 07/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 845469 | xxxxxx | xxxxxx | xxxxxx | 06/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/22/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 845558 | xxxxxx | xxxxxx | xxxxxx | 07/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 08/11/2025 | xxxxxx | xxxxxx | 1.62% | xxxxxx | 98 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 845559 | xxxxxx | xxxxxx | xxxxxx | 08/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 845571 | xxxxxx | xxxxxx | xxxxxx | 07/21/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/04/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 845816 | xxxxxx | xxxxxx | xxxxxx | 08/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/20/2025 | xxxxxx | $0.00 | 0.00% | 1.6 |
| 845874 | xxxxxx | xxxxxx | xxxxxx | 07/31/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/18/2025 | xxxxxx | $0.00 | 0.00% | 4.5 |
| 846017 | xxxxxx | xxxxxx | xxxxxx | 07/09/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 846177 | xxxxxx | xxxxxx | xxxxxx | 08/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 846256 | xxxxxx | xxxxxx | xxxxxx | 08/26/2025 | xxxxxx | 2055 Ext Only (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 08/01/2025 | xxxxxx | xxxxxx | -3.11% | xxxxxx | 92 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 846338 | xxxxxx | xxxxxx | xxxxxx | 08/01/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/19/2025 | xxxxxx | $0.00 | 0.00% | 1 |
| 846373 | xxxxxx | xxxxxx | xxxxxx | 06/30/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  | 08/27/2025 | xxxxxx | xxxxxx | 0.22% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/05/2025 | xxxxxx | $0.00 | 0.00% | 5 |
| 846653 | xxxxxx | xxxxxx | xxxxxx | 08/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 846809 | xxxxxx | xxxxxx | xxxxxx | 08/01/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 846832 | xxxxxx | xxxxxx | xxxxxx | 07/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/15/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 847011 | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 847012 | xxxxxx | xxxxxx | xxxxxx | 08/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/19/2025 | xxxxxx | $0.00 | 0.00% | 3.5 |
| 847015 | xxxxxx | xxxxxx | xxxxxx | 07/22/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 847334 | xxxxxx | xxxxxx | xxxxxx | 07/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/29/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 847564 | xxxxxx | xxxxxx | xxxxxx | 09/02/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 09/04/2025 | xxxxxx | xxxxxx | 1.11% | xxxxxx | 96 |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 847569 | xxxxxx | xxxxxx | xxxxxx | 08/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/27/2025 | xxxxxx | $0.00 | 0.00% | 3.3 |
| 847572 | xxxxxx | xxxxxx | xxxxxx | 07/02/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  | 07/11/2025 | xxxxxx | xxxxxx | 4.49% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 847622 | xxxxxx | xxxxxx | xxxxxx | 08/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 847668 | xxxxxx | xxxxxx | xxxxxx | 08/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/28/2025 | xxxxxx | $0.00 | 0.00% | 1 |
| 847801 | xxxxxx | xxxxxx | xxxxxx | 08/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 08/21/2025 | xxxxxx | xxxxxx | -4.24% | xxxxxx | 94 |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 847855 | xxxxxx | xxxxxx | xxxxxx | 09/02/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/12/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 848247 | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/24/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 848346 | xxxxxx | xxxxxx | xxxxxx | 09/17/2025 | xxxxxx | Automated Valuation Model | xxxxxx | 90 |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 09/18/2025 | xxxxxx | xxxxxx | 6.92% | xxxxxx | 90 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 848352 | xxxxxx | xxxxxx | xxxxxx | 09/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 848496 | xxxxxx | xxxxxx | xxxxxx | 09/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 848533 | xxxxxx | xxxxxx | xxxxxx | 07/26/2025 | xxxxxx | 2055 Ext Only (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/02/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 848818 | xxxxxx | xxxxxx | xxxxxx | 09/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 09/16/2025 | xxxxxx | xxxxxx | -8.18% | xxxxxx | 96 | xxxxxx | 09/20/2025 | xxxxxx | $0.00 | 0.00% | 2.5 |
| 848908 | xxxxxx | xxxxxx | xxxxxx | 08/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/03/2025 | xxxxxx | $0.00 | 0.00% | 3.3 |
| 849182 | xxxxxx | xxxxxx | xxxxxx | 09/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/23/2025 | xxxxxx | $0.00 | 0.00% | (No Data) |
| 849501 | xxxxxx | xxxxxx | xxxxxx | 06/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 06/12/2025 | xxxxxx | xxxxxx | -8.29% | xxxxxx | 92 |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 849502 | xxxxxx | xxxxxx | xxxxxx | 07/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 849503 | xxxxxx | xxxxxx | xxxxxx | 07/14/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.34

**EXHIBIT 99.34**

**eVOLVE MORTGAGE Services, llc ("Evolve") executive summary**

![](tm2532423d1_ex99-34img001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

Verus 2025-12

Dated: December 2, 2025

**290 S Preston Road \| Suite 370 \| Prosper, TX 75078**<br>**P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services, LLC ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by VMC Asset Pooler, LLC ("Client"). The Review was conducted via imaged files provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 39 loans, consisting of 2 Residential Loans and 37 Business Purpose loans, totaling an aggregate original principal balance of approximately $14,559,055.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Kroll Bond Rating Agency, LLC (KBRA) and S&P Global Ratings, the nationally recognized statistical rating organizations ("NRSROs") identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data fields on the bid tape provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

Additional information about the data integrity review is included below.

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

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

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

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

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

**Debt Service Coverage ratio (DSCR):** Evolve calculated and determined DSCR as required by guidelines.

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.13% | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;37 | &nbsp;&nbsp;94.87% | &nbsp;&nbsp;37 | &nbsp;&nbsp;94.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;69.23% | &nbsp;&nbsp;27 | &nbsp;&nbsp;69.23% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;30.77% | &nbsp;&nbsp;12 | &nbsp;&nbsp;30.77% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;69.23% | &nbsp;&nbsp;27 | &nbsp;&nbsp;69.23% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;30.77% | &nbsp;&nbsp;12 | &nbsp;&nbsp;30.77% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;39 | &nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;39 | &nbsp;&nbsp;28.21% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;39 | &nbsp;&nbsp;12.82% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;39 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;39 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;32 | &nbsp;&nbsp;39 | &nbsp;&nbsp;82.05% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;39 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;8 | &nbsp;&nbsp;39 | &nbsp;&nbsp;20.51% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;39 | &nbsp;&nbsp;48.72% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;11 | &nbsp;&nbsp;39 | &nbsp;&nbsp;28.21% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;39 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;5 | &nbsp;&nbsp;39 | &nbsp;&nbsp;12.82% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;32 | &nbsp;&nbsp;39 | &nbsp;&nbsp;82.05% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;39 | &nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;2 | &nbsp;&nbsp;39 | &nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;39 | &nbsp;&nbsp;7.69% |

---

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

**APPENDIX A**

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

 ****

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

&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> :

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <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 loan to a first time homebuyer that contains a negative amortization feature;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <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; and

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

---

![](tm2532423d1_ex99-34img002.jpg)

Forward Thinking. Seamless Solutions.

------

**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

---

| | | |
|:---|:---|:---|
| ![](tm2532423d1_ex99-34img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

---

## Exhibit 99.35

**EXHIBIT 99.35**

**Evolve exception detail**

![](tm2532423d1_ex99-35img001.jpg)

**Exception Detail**

**Run Date - 11/19/2025 10:27:52 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| xxxxxx | 843193 | xxxxxx | 7153039 | xxxxxx | 07/25/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Subject property listed for sale per appraisal. Provide evidence subject property was removed from listing prior to the note date. Additional provide an LOE from the borrower the reason for the listing. | Evidence of listing cancellation and LOE provided. |  | Client 08/12/2025 02:57 PM; per xxxxxx, listing was removed 04/05/25; LOE would not be required due to prior to application date. <br>Reviewer 08/12/2025 04:10 PM; condition cleared<br>| 08/12/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843197 | xxxxxx | 7185003 | xxxxxx | 07/18/2025 | Credit | Hazard Insurance |  | Hazard Insurance - H06 Policy required when master policy does not provide walls-in coverage |  | Blanket HOA Master Policy does not show "Walls In" coverage. Please provide H06 Policy. | Policy provided |  | Client 09/16/2025 05:35 AM; The master policy shows "Special Form, Blanket Building, Replacement Cost" and also unit number is mentioned in the insurance.This is an all inclusive policy<br>Reviewer 09/16/2025 07:33 AM; <br>Reviewer 09/16/2025 02:50 PM; xxxxxx, Please provide evidence that "Special Form, Blanket Building, Replacement cost" includes walls in coverage.<br>Client 09/23/2025 08:27 AM; master insurance binder said "no co-insurance"<br>Reviewer 09/23/2025 09:36 AM; <br>Reviewer 09/23/2025 03:31 PM; xxxxxx <br> The "no insurance" relates to the coverage amount, but not necessarily what is covered (walls in). Still need evidence that the policy is walls in and if not the H06 policy is still needed. <br>xxxxxx<br>Reviewer 10/06/2025 02:40 PM; Policy provided is not for the subject property<br>Client 10/08/2025 07:30 AM; Policy is for the subject property. Location address is xxxxxx reported in the middle of the insurance dec page<br>Reviewer 10/08/2025 07:51 AM; Condition has been reviewed. xxxxxx<br>Client 10/08/2025 09:12 AM; Condition is still outstanding. Please clear.<br>Reviewer 10/08/2025 09:55 AM; <br>Reviewer 10/08/2025 11:54 AM; xxxxxx <br> This has been cleared. <br>xxxxxx<br>Reviewer 10/08/2025 11:59 AM; xxxxxx <br> This has been cleared. <br>xxxxxx<br>| 10/08/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843197 | xxxxxx | 7185004 | xxxxxx | 07/23/2025 | Credit | UW Assets |  | UW Assets - UW - Source of Large Deposit |  | The large deposit of xxxxxx from sale xxxxxx on May 5, 2025 was not sourced, as required by the guidelines. | Received LOE and funds |  | Reviewer 08/11/2025 11:44 AM; The CD received for sale of xxxxxx reflects seller as xxxxxx and net proceeds of xxxxxx and does not support the source of large deposit of xxxxxx. Provide additional documentation to explain the difference in the net proceeds and the seller not being the borrower, xxxxxx<br>| 08/15/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843245 | xxxxxx | 7153021 | xxxxxx | 08/05/2025 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | The final HUD-1 Settlement Statement was not signed. Provide signed document. | HUD provided |  |  | 08/08/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843245 | xxxxxx | 7153022 | xxxxxx | 08/06/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final HUD is missing from the loan file. The credit review is on hold until documents are received. | HUD provided |  |  | 08/08/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843258 | xxxxxx | 7156497 | xxxxxx | 07/12/2025 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Borrower short funds to close (146.11) and reserves. Per HUD funds to close $116,464.73 Verified assets xxxxxx bank $116,318.62 (6/2/2025). Two months reserves $3553.50x2=$7107.00 + -$146.11=short funds $7253.11 | Additional xxxxxx bank statement provided (34.96 months reserves) |  | Client 08/21/2025 04:16 PM; Please see attached xxxxxx business acct statement with revised 1008. <br>Reviewer 08/21/2025 06:16 PM; Condition has been reviewed. xxxxxx<br>| 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843293 | xxxxxx | 7205136 | xxxxxx | 06/24/2025 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final HUD-1 settlement statement. | HUD provided |  |  | 06/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843293 | xxxxxx | 7205137 | xxxxxx | 06/25/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Missing acceptable documentation to verify satisfactory mortgage payment history for the xxxxxx lien, as required for mortgages not reported on credit. Acceptable options third-party VOM, servicer pay history with bank statements, canceled checks (front and back) with mortgage statement, or applicable documentation for private mortgages (fully executed VOM together with bank statement or cancelled checks front and back with the most recent mortgage statement). |  | Client waived with compensating factors: FICO 756 which is 40+ points over minimum. DSCR score 1.52 : FICO 756 which is 40+ points over minimum. DSCR score 1.52 | Client 07/23/2025 09:26 AM; Please find exception uploaded for your review. xxxxxx. <br>Reviewer 07/23/2025 09:57 AM; Condition has been reviewed. xxxxxx<br>|  |  | 07/23/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843324 | xxxxxx | 7153031 | xxxxxx | 08/11/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max 10 financed properties/exposure per Borrower. Borrower has 11 financed properties. |  | Client Waived with Compensating Factors: 0x30x99 mortgage payment history, Reserves of 42.05 months after closing where only 2 months were required and 741 fico score where the minimum required is 700. |  |  |  | 08/11/2025 B | 2 | xxxxxx | xxxxxx | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843350 | xxxxxx | 7153036 | xxxxxx | 07/22/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Housing History Guidelines Not Met The subject property is owned free and clear. Current guidelines state that borrowers who own their primary residence free and clear must also provide proof that property taxes are paid and current in order to satisfy housing history requirements. The tax certificate on file indicates that the property taxes for the 2025 tax year remain unpaid and are showing as open with penalties. | The taxes were paid in full on the final Settlement statement for the subject property. |  | Client 08/05/2025 05:54 AM; The taxes were paid in full on the final Settlement statement for the subject property.<br>Reviewer 08/05/2025 08:32 AM; Condition has been reviewed. xxxxxx<br>| 08/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843379 | xxxxxx | 7205101 | xxxxxx | 07/10/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Exhibit A and LOI received |  | Reviewer 08/01/2025 10:11 AM; DOT refers to a Schedule "A" attached. Schedule "C" was provided. Please correct the legal to Schedule "A" or Correct the DOT to reflect Schedule "C". A LOI to re-record will be required<br>Reviewer 08/06/2025 01:56 PM; Received Dot with legal attached as Exhibit A. Please provide LOI to re-record<br>Client 08/07/2025 12:57 PM; There should be no need to re-record a new mortgage if the original recorded mortgage has it, please clear<br>Reviewer 08/07/2025 01:06 PM; xxxxxx <br> This has been cleared. <br>xxxxxx<br>Reviewer 08/07/2025 01:27 PM; <br>| 08/07/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843379 | xxxxxx | 7219864 | xxxxxx | 11/12/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide certificate of occupancy as required per Approval and Title | Received Occupancy Certification |  |  | 11/12/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843385 | xxxxxx | 7154517 | xxxxxx | 07/23/2025 | Credit | Closing Package |  | Closing Package - |  | The Final CD/ Settlement Statement is missing from file. | CD provided |  |  | 08/13/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843385 | xxxxxx | 7154518 | xxxxxx | 07/23/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. | Exhibit A provided |  |  | 08/15/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843385 | xxxxxx | 7154519 | xxxxxx | 07/25/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final CD is missing from the loan file. The credit review is on hold until documents are received. | CD received |  |  | 08/12/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843393 | xxxxxx | 7205110 | xxxxxx | 07/22/2025 | Credit | Closing Package |  | Closing Package - |  | Borrower Authorization form is missing from file. | Borrower Authorization form provided |  | Reviewer 07/28/2025 01:18 PM; Credit aug provided. This is not the borrower authorization. def remains open<br>| 08/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843393 | xxxxxx | 7205111 | xxxxxx | 07/22/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Exhibit A provided |  |  | 07/29/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843393 | xxxxxx | 7205112 | xxxxxx | 07/24/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Fraud Report with all high and medium alerts missing from file. | xxxxxx report provided |  |  | 08/01/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843632 | xxxxxx | 7205108 | xxxxxx | 09/13/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Approval for an exception is needed to waive the required recertification of value for an appraisal dated xxxxxx, which expired on xxxxxx. |  | Client Waived with Compensating Factors: low LTV of 24%, investor history dating back to 1999, and 0x30 mortgage history since 1999. |  |  |  | 09/13/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843632 | xxxxxx | 7205109 | xxxxxx | 09/13/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Approval is needed for extending the expiration of a credit report dated 6/6/2024, which expired on 8/22/2025. |  | Client Waived with Compensating Factors: low LTV of 24%, investor history dating back to 1999, and 0x30 mortgage history since 1999. |  |  |  | 09/13/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843703 | xxxxxx | 7153032 | xxxxxx | 07/01/2025 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final HUD-1 settlement statement. | HUD provided |  |  | 08/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843714 | xxxxxx | 7158840 | xxxxxx | 08/21/2025 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | Borrower does not meet the minimum FICO of 680 for a first time investor; qualifying FICO 677. There was no documentation in file evidencing the borrower was an experienced investor. |  | Client Waived with Compensating Factors: 98.58 months post-closing reserves when only 2 months required, 0\*30\*24 current credit payment history and 3 Credit Tradelines Rated for more than 5 Yrs when only 24 months required. |  |  |  | 09/02/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843714 | xxxxxx | 7158841 | xxxxxx | 08/21/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Missing the most recent lease agreement covering the most recent 12 months, along with verification of timely payments made documented with canceled checks (front and back) or corresponding bank statements. The borrower is renting from a private party. |  | Client Waived with Compensating Factors: 98.58 months post closing reserves when only 2 months required, 0\*30\*24 current credit payment history and 3 Credit Tradelines Rated for more than 5 Yrs when only 24 months required. |  |  |  | 08/21/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843717 | xxxxxx | 7161785 | xxxxxx | 09/11/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The LTV of 76.119% exceeds the maximum allowed of 75% for a R/T Refinance under the DSCR Program. |  | Client Waived with Compensating Factors: 6.17 months reserves when only 2 months required, 0\*30\*24 credit payment history and FICO Score of 698 where the minimum required is 680. |  |  |  | 09/11/2025 B | 2 | xxxxxx | xxxxxx | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843720 | xxxxxx | 7154515 | xxxxxx | 08/06/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The Exhibit A is missing from file. Please provide, along with LOI to re-record. | Exhibit A and LOI provided |  |  | 08/18/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843720 | xxxxxx | 7154516 | xxxxxx | 08/10/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | FICO of 659 vs program minimum FICO of 660 with DSCR 1 minimum on Cashout transaction. |  | Client Waived with Compensating Factors: DSCR of 1.20 where the minimum requirement is 1.0; DSCR program and the borrower is an Experienced investor with 5 years of experience; and 0\*30\*82 current housing payment history. |  |  |  | 08/10/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844104 | xxxxxx | 7157926 | xxxxxx | 09/02/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower is a first-time investor and has no primary residence ownership or history. Program requires the borrower own their primary residence with 12 month mortgage history of 0x30x12. |  | Client waived with compensating factors: The DSCR is greater than required 1.00. The DSCR is 1.2. The LTV is 65% with 75% allowed, and the borrower has more than the required reserves with 9 months. Reserve requirement is 6 months. |  |  |  | 09/02/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844156 | xxxxxx | 7205138 | xxxxxx | 08/01/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower does not meet the minimum DSCR requirement of 1.00. The current DSCR is 0.96 |  | Client Waived with Compensating Factors: Reserves exceed minimum required (2 months) by 21.78 months; Borrower FICO (787) exceeds minimum credit score (660) requirement by 127 points. |  |  |  | 08/01/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844156 | xxxxxx | 7205139 | xxxxxx | 08/01/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Gift of equity reflected on the fee sheet. Non-arm's length transaction is not allowed. |  | Client Waived with Compensating Factors: Reserves exceed minimum required (2 months) by 21.78 months; Borrower FICO (787) exceeds minimum credit score (660) requirement by 127 points. |  |  |  | 08/01/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844156 | xxxxxx | 7205140 | xxxxxx | 08/01/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Exception required for 75% LTV due to a declining market per appraisal report. Per guideline a 5-25% reduction of LTV is required. |  | Client Waived with Compensating Factors: Reserves exceed minimum required (2 months) by 21.78 months; Borrower FICO (787) exceeds minimum credit score (660) requirement by 127 points. |  |  |  | 08/01/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844156 | xxxxxx | 7205141 | xxxxxx | 08/01/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception to retain the seller concession at xxxxxx while the estimated closing costs total xxxxxx. |  | Client Waived with Compensating Factors: Reserves exceed minimum required (2 months) by 21.78 months; Borrower FICO (787) exceeds minimum credit score (660) requirement by 127 points. |  |  |  | 08/01/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844798 | xxxxxx | 7185007 | xxxxxx | 08/02/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Missing documentation to verify the xxxxxx deposit on xxxxxx into the borrower's business checking account was from an eligible business income source. | LOE per 1008 provided |  |  | 10/24/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D B | A | A |  | Exempt | 1 |
| xxxxxx | 844798 | xxxxxx | 7185008 | xxxxxx | 08/02/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing documentation to verify the PITIA payment for the borrower's departing property. A new mortgage loan in the amount of xxxxxx was opened on xxxxxx per the fraud report provided in file. | Updated 1003/1008 provided |  | Reviewer 10/14/2025 03:32 PM; The document received is a mortgage statement from xxxxxx mortgage with a balance of xxxxxx and payment of xxxxxx. This debt was not reflected on the 1003 <br>| 10/24/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D B | A | A |  | Exempt | 1 |
| xxxxxx | 844798 | xxxxxx | 7185009 | xxxxxx | 08/02/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | Maximum DTI per guidelines is 50% actual DTI is 52.768% based on final CD monthly taxes xxxxxx and being unable to use the xxxxxx monthly stated positive rental income on the final 1003 and 1008 from the borrower's departing residence per guidelines The maximum non-subject property new/newly placed in service less than 1-year rental history rental income is restricted to an amount not exceeding the PITIA of the related property. |  | Client waived with compensating factors:>= 4 months Additional Reserves and <= $1.0M (23.44mo.), FICO 40 points over the min. (742) score in the tier of 640, S/E History w/ > 5 Yrs same business, Residual Income >= $3,000 (actual $20,878.50) |  |  |  | 10/14/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 D B | A | A |  | Exempt | 1 |
| xxxxxx | 844923 | xxxxxx | 7157937 | xxxxxx | 09/03/2025 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | The xxxxxx HOA is in litigation. |  | Client waived with compensating factors: The LTV is below max allowed of 80%, LTV is 71.4%; FICO is 805, required is 660. The borrower has 54 months cash reserves post closing and 6 months was required. Litigation is not structural or a safety issue and is not applicable to the borrower |  |  |  | 09/03/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844923 | xxxxxx | 7157938 | xxxxxx | 09/03/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing most recent 12 months verification of the borrower's mortgage on primary residence. The payments for 7/1/2025 and 8/1/2025 were in the file and previous 12 months was evidenced on credit report prior to transfer. Please verify payments for 9/1/2024-6/1/2025. Verification of most recent 24 months mortgage history is required under the Investor Cash flow loan program. | 12-months statements provided |  |  | 09/04/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844923 | xxxxxx | 7219842 | xxxxxx | 11/12/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The subject property square footage is below the minimum of 600 square feet. Subject is xxxxxx. |  | Client waived with compensating factors: The LTV is below max allowed of 80%, LTV is 71.4%; FICO is 805, required is 660. The borrower has 54 months cash reserves post closing and 6 months was required. |  |  |  | 11/12/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 845035 | xxxxxx | 7243300 | xxxxxx | 08/14/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Collateral Desk Review required on all appraisal reports that don't have a CU score above 2.5, per the guidelines. These documents were not provided. | CDA provided |  | Reviewer 08/26/2025 04:44 PM; Please reload CDA it appears to be corrupt xxxxxx<br>| 08/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| xxxxxx | 845057 | xxxxxx | 7153055 | xxxxxx | 08/07/2025 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final HUD-1 settlement statement. | HUD provided |  |  | 08/13/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 845068 | xxxxxx | 7156574 | xxxxxx | 08/11/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final loan approval that reflects the correct loan amount of xxxxxx. Loan approval in file list a loan amount of xxxxxx. | Received revised approval |  |  | 08/22/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 845115 | xxxxxx | 7156575 | xxxxxx | 08/15/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide the Fraud Report | Received Fraud report with alerts cleared |  | Reviewer 08/22/2025 10:32 AM; Received the Alerts Summary. Did not receive the complete fraud report<br>| 08/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 847230 | xxxxxx | 7158844 | xxxxxx | 08/26/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. | Exhibit A provided |  |  | 08/29/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 848596 | xxxxxx | 7168768 | xxxxxx | 10/10/2025 | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Missing the CD signed the same day as the closing date of xxxxxx. | CD provided |  |  | 10/13/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Non-QM | 1 |
| xxxxxx | 849438 | xxxxxx | 7168769 | xxxxxx | 10/07/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines xxxxxx where property was purchased within 6 mo, should use lower of PP or appraised value. Deviation Request Using Appraised Value. |  | Client Waived with Comp Factors: Excellent reserves of 75 months over 6mo required. Excellent mtg history 0 lates, Excellent credit history with FICO 719 over min required FICO of 660, Experienced Investor. |  |  |  | 10/07/2025 B | 2 | xxxxxx | xxxxxx | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 849445 | xxxxxx | 7168763 | xxxxxx | 10/03/2025 | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | The seller concessions exceed the maximum of 3% for an investment property purchase transaction. |  | Client waived with compensating factors: The borrower has been in the primary residence for 8 years. The borrower is a seasoned investor of 26 years. The FICO score is 692, and the required FICO is 660. The reserves are $233,638.16 or 159 months with the required reserves of 6 months. |  |  |  | 10/03/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.36

**EXHIBIT 99.36**

**Evolve data compare**

![](tm2532423d1_ex99-36img001.jpg)

**Data Compare**

**Run Date - 11/19/2025 10:27:52 AM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| xxxxxx | 843193 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843193 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843193 | xxxxxx | Product Code | xxxxxx 30 YR FIXED 5 YR PPP | xxxxxx30Y5YPP | Same |
| xxxxxx | 843193 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843197 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843197 | xxxxxx | PITI | 3187.38 | 2287.38 | 900 HOA Fee not included |
| xxxxxx | 843197 | xxxxxx | Product Code | xxxxxx 30 YR FIXED NO PPP | xxxxxx30Y | Same |
| xxxxxx | 843197 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843245 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843245 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843245 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843245 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843245 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843258 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843258 | xxxxxx | PITI | 3553.49 | 3553.50 | Same |
| xxxxxx | 843258 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843258 | xxxxxx | Product Code | xxxxxx 30 YR FIXED 5 YEAR PPP xxxxxx DN | xxxxxx30Y5YPPSD | Same |
| xxxxxx | 843258 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843293 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843293 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843293 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843293 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843293 | xxxxxx | Property Zip | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843293 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843324 | xxxxxx | Doc Type | No Ratio | Debt Service Coverage | Verified with loan approval |
| xxxxxx | 843324 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843324 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843324 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843350 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843350 | xxxxxx | PITI | 3168.55 | 2526.55 | Audit data reflects PITI; Bid tape includes HOA Dues. |
| xxxxxx | 843350 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843350 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843379 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843379 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843379 | xxxxxx | Product Code | xxxxxx 30 YR FIXED 3 YEAR PPP xxxxxx DN | xxxxxx30YF3YPPSD | same |
| xxxxxx | 843379 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 843379 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843379 | xxxxxx | Qualifying Credit Score | 785 | 748 | middle score of 748 verified |
| xxxxxx | 843385 | xxxxxx | Note Date |  | xxxxxx | verifed |
| xxxxxx | 843385 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843385 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843393 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843393 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843632 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Rate lock - dscr |
| xxxxxx | 843632 | xxxxxx | Interest Only | N | Y | verified |
| xxxxxx | 843632 | xxxxxx | Original Amortization Term | 360 | 240 | verified |
| xxxxxx | 843632 | xxxxxx | Self-Employment Flag |  | N | DSCR - n/a |
| xxxxxx | 843703 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843703 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 843703 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843703 | xxxxxx | PITI | 1894.89 | 1758.89 | verified with first payment letter |
| xxxxxx | 843703 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843703 | xxxxxx | Property Type | PUD-Detached | PUD-Attached | verified with appraisal |
| xxxxxx | 843703 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843714 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843714 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843714 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843717 | xxxxxx | Doc Type | No Ratio | Debt Service Coverage | Verified with Lock Confirmation and Loan Approval the loan is a DSCR Refinance |
| xxxxxx | 843717 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 843717 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 843717 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843720 | xxxxxx | DSCR | 1.230 | 1.200 | Tax prorated low. Deficiency added |
| xxxxxx | 843720 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843720 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843720 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843720 | xxxxxx | PITI | 1218.73 | 1252.14 | Tax prorated low. Deficiency added |
| xxxxxx | 843720 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843720 | xxxxxx | Product Code | xxxxxx 30 YR FIXED 5 YEAR PPP xxxxxx DN | xxxxxx30Y5YPPSD | Same |
| xxxxxx | 843720 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844104 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with the approval |
| xxxxxx | 844104 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 844156 | xxxxxx | Maturity Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 844156 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 844156 | xxxxxx | QM Status |  | Exempt | Business Purpose Product |
| xxxxxx | 844798 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | verified with loan approval |
| xxxxxx | 844798 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 844798 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 844798 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 844798 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxxxxx | 844798 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 844798 | xxxxxx | Qualifying DTI | 49.50800 | 0.52768 | verified with guidelines, income documentation and debts |
| xxxxxx | 844923 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with final approval |
| xxxxxx | 844923 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 845027 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845027 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 845027 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845032 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845032 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845035 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845035 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 845035 | xxxxxx | Product Code | xxxxxx 30 YR FIXED 5 YR PPP | xxxxxx30Y5YPP | Same |
| xxxxxx | 845035 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845047 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845047 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 845047 | xxxxxx | Product Code | xxxxxx 30 YR FIXED 3 YEAR PPP xxxxxx DN | xxxxxx30YF3YPPSD | same |
| xxxxxx | 845047 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845057 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845057 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 845057 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845068 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845068 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845083 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845083 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 845083 | xxxxxx | Product Code | xxxxxx 30 YR FIXED 5 YR PPP | xxxxxx30Y5YPP | Same |
| xxxxxx | 845083 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845096 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845096 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845114 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845114 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845115 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845115 | xxxxxx | PITI | 9563.69 | 9170.61 | $9170.61 + $393.08 Ins |
| xxxxxx | 845115 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 845115 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845117 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845117 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845131 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845131 | xxxxxx | PITI | 3123.51 | 2798.51 | verified with first payment letter; bid tape includes HOA Dues |
| xxxxxx | 845131 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845131 | xxxxxx | Qualifying Credit Score | 812 | 725 | verified with credit report |
| xxxxxx | 847230 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 847230 | xxxxxx | Product Code | xxxxxx 30 YR FIXED NO PPP | xxxxxx30Y | verified |
| xxxxxx | 847230 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 847248 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 847248 | xxxxxx | Product Code | xxxxxx 30 YR FIXED NO PPP | xxxxxx30Y | Same |
| xxxxxx | 847248 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 847257 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 847257 | xxxxxx | PITI | 2392.72 | 2050.72 | Audit reflects PITI; Bid tape includes HOA Dues |
| xxxxxx | 847257 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 847263 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with Lock Confirmation and Loan Approval |
| xxxxxx | 847263 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 847263 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 847263 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 847263 | xxxxxx | Qualifying DTI | 49.81900 | 0.52297 | Variance due to Audit used 95% ownership; Bid tape is 100% ownership. |
| xxxxxx | 848596 | xxxxxx | Doc Type | Alternative | Bank Statement | 12 Mo Bank Statements |
| xxxxxx | 849431 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with Approval |
| xxxxxx | 849431 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 849431 | xxxxxx | Self-Employment Flag |  | N | NA not stated not verified DSCR |
| xxxxxx | 849438 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with Approval |
| xxxxxx | 849438 | xxxxxx | DSCR | 1.243 | 1.200 | Verified with Appraisal and subject piti, diff is city taxes |
| xxxxxx | 849438 | xxxxxx | Self-Employment Flag |  | N | NA not stated not verified DSCR |
| xxxxxx | 849445 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with final approval |

---

## Exhibit 99.37

**EXHIBIT 99.37**

**Evolve qm atr data**

![](tm2532423d1_ex99-37img001.jpg)

**QM ATR Data**

**Run Date - 11/19/2025 10:27:52 AM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| xxxxxx | 843193 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843197 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843245 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843258 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | xxxxxx |  |  |  | No |  |
| xxxxxx | 843293 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | xxxxxx |  |  |  | No |  |
| xxxxxx | 843324 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843350 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843379 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843385 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843393 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843632 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843703 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843714 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843717 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843720 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844104 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | xxxxxx |  |  |  | No |  |
| xxxxxx | 844156 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844798 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | XX/XX/XXXX | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 844923 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845027 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845032 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845035 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845047 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845057 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845068 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 845083 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required | Not Required | xxxxxx | Other | xxxxxx | Other | No |  |
| xxxxxx | 845096 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845114 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845115 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 845117 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | xxxxxx | Other |  |  | No |  |
| xxxxxx | 845131 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 847230 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 847248 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 847257 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 847263 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 848596 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | XX/XX/XXXX | 7.54% | Self-Employed |  | US Citizen |  |  |  | Yes | $2813.67 |
| xxxxxx | 849431 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 849438 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 849445 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.38

**EXHIBIT 99.38**

**Evolve rating agency grades**

![](tm2532423d1_ex99-38img001.jpg)

**Rating Agency Grades**

**Run Date - 11/19/2025 10:27:52 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| xxxxxx | 843193 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843197 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843245 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843258 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843293 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 843324 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 843350 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843379 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843385 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843393 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843632 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 843703 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843714 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 843717 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 843720 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 844104 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 844156 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 844798 | xxxxxx | xxxxxx D | A | A | A | A | A D B | A | A | A | A | A B |
| xxxxxx | 844923 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 845027 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845032 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845035 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845047 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845057 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845068 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845083 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845096 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845114 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845115 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845117 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845131 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 847230 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 847248 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 847257 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 847263 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 848596 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 849431 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 849438 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 849445 | 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 |

---

## Exhibit 99.39

**EXHIBIT 99.39**

**Evolve valuation report**

![](tm2532423d1_ex99-39img001.jpg)

**Valuation Report**

**Run Date - 11/19/2025 10:27:52 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 843193 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250401 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.56% | xxxxxx | Moderate | 20250617 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| xxxxxx | 843197 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250701 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 843245 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250513 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.19% | xxxxxx | Moderate | 20250513 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843258 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250517 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250517 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843293 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250523 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250609 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843324 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250611 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| xxxxxx | 843350 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250602 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250602 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843379 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250620 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.7 |
| xxxxxx | 843385 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250630 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.41% | xxxxxx | Moderate | 20250710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843393 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250701 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843632 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250424 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843703 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250609 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| xxxxxx | 843714 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250501 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843717 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250711 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| xxxxxx | 843720 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250623 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 844104 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250807 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 844156 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250707 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| xxxxxx | 844798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250714 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low Risk | 20250718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| xxxxxx | 844923 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250808 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845027 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250331 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250404 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845032 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250611 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250619 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845035 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250619 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250826 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845047 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250703 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 845057 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250710 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 845068 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250703 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845083 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250724 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| xxxxxx | 845096 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250624 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate Risk | 20250630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| xxxxxx | 845114 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250716 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845115 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250619 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| xxxxxx | 845117 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250719 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845131 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250726 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 847230 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250712 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 847248 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250721 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 847257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250717 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 847263 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250719 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 848596 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250920 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250923 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 849431 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250911 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250918 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 849438 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250827 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250925 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 849445 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250912 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250918 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.40

**EXHIBIT 99.40**

**SELENE DILIGENCE LLC ("SELENE") DUE DILIGENCE REVIEW NARRATIVE**

![](tm2532423d1_ex99-40img01.jpg)

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

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by VMC Asset Pooler, LLC ("Client"). The review was conducted between July 29, 2025 through October 18, 2025 via files imaged and provided for review (the "Review"), in connection with the Verus 2025-12 securitization.

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 32 residential and 8 business purpose loans for a total of 40 loans (the "Final Securitization Population").

*<u>Cr</u> <u>edit Reviews (40):</u>*

During the Review, Selene performed a credit review on 40 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (40)</u>*

During the Review, Selene performed a compliance review, as applicable, on 40 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (40):</u>*

During the Review, Selene performed a property valuation review on 40 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (40):</u>*

During the Review, Selene performed a Data Integrity Review on 40 mortgage loans in the Final Securitization Population.

*VERUS 2025-12 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 40 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;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |

---

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **2** of **18** |

---

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

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

**CREDIT REVIEW**

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

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

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

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

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

**COMPLIANCE REVIEW**

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

**PROPERTY VALUATION REVIEW**

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **3** of **18** |

---

**DATA INTEGRITY REVIEW**

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

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

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

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

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

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

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

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 40 mortgage loans, (ii) a Compliance Review, as applicable, on 40 mortgage loans (iii) a Valuation Review on 40 mortgage loans, and (iv) a Data Integrity Review on 40 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 40 mortgage loans; 32 mortgage loans had a rating grade of A and 8 mortgage loans had a rating grade of B.

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **4** of **18** |

---

***Grades per loan (40 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;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;32 | &nbsp;&nbsp;32 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;27.50% | &nbsp;&nbsp;27.50% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;52.50% | &nbsp;&nbsp;52.50% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;38 | &nbsp;&nbsp;38 | &nbsp;&nbsp;95.00% | &nbsp;&nbsp;95.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;34 | &nbsp;&nbsp;85.00% | &nbsp;&nbsp;85.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;15.00% | &nbsp;&nbsp;15.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**S&P %** | &nbsp;&nbsp;**Kroll %** |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;40 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |  |  |  |  |  |

---

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **5** of **18** |

---

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

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

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

Selene furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **6** of **18** |

---

**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **7** of **18** |

---

**Asset Review**

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

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

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

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

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

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

**Hazard/Flood insurance** 

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

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

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

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

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

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

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

**Title**

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

**Fraud**

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

On this Fraud report Selene:

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

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

---

| | |
|:---|:---|
| *VERUS 2025-12 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 2025-12 Executive Summary (Selene Diligence)* | Page **9** of **18** |

---

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **10** of **18** |

---

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

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

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

&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):** 

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **11** of **18** |

---

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **12** of **18** |

---

**SCHEDULE I**

1. AL Consumer Credit License- Mortgage Broker License

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

3. AR Home Loan Protection Act

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

5. CA AB 489/344 (Division 1.6 of the Financial Code)

6. CO Consumer Equity Protection Article

7. CO Consumer Credit Code

8. DE Licensed Lender License Broker License Lender License

9. Washington, DC Home Loan Protection Act of 2002

10. Washington, DC Mortgage Disclosure Act of 2007

11. FL Fair Lending Act

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

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

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

15. IN Home Loan Practices Article

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

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

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

19. MA Mortgage Lender and Broker Regulations

20. MD Commercial Law amended by Maryland Senate Bill 270

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

22. MI Consumer Mortgage Protection Act

23. MN Mortgage Originator and Servicer Licensing Act

24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

25. MO Mortgage Company License

26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender License

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

28. ND Money Broker License

29. NE Mortgage Bankers Registration and Licensing Act

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

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

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

33. OH Consumer Sales Practices Act

34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

35. Summit County, OH Consumer Affairs Board Ordinance

36. Summit County, OH Consumer Protection Ordinance

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **13** of **18** |

---

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

38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

39. PA Consumer Equity Protection Act

40. RI Home Loan Protection Act and Regulation 3

41. SD Mortgage Lender License – Mortgage Broker License

42. TN Home Loan Protection Act

43. UT Residential Mortgage Practices and Licensing Act

44. VA Mortgage Lender and Broker Act

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

46. WV Residential Mortgage Lender, Broker and Servicer Act

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **14** of **18** |

---

**APPENDIX C – VALUATION REVIEW SCOPE**

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

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

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

Disclaimer

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

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

&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.

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **15** of **18** |

---

**APPENDIX D – DSCR SCOPE**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **16** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and remaining
term are in compliance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **17** of **18** |

---

&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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm CapEx meets guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

---

| | |
|:---|:---|
| *VERUS 2025-12 Executive Summary (Selene Diligence)* | Page **18** of **18** |

---

## Exhibit 99.41

**EXHIBIT 99.41**

**selene rating agency grades detail report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 844194 | xxxxxx | D A | Closed | xxxxxx | 2025-08-22 11:22 | 2025-08-25 10:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/25/2025 |  |  | xxxxxx Lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844408 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-25 22:06 | 2025-09-02 10:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-the client has elected to waive with the following compensating factors - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Open-Guidelines do not allow entity to sign note Note signed with LLC, guidelines lines don't allow. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025 | Waived-the client has elected to waive with the following compensating factors - Due Diligence Vendor-09/02/2025 |  | 766 FICO score - 700 FICO minimum<br> 55.81 months reserves - 2 months reserves required<br> Personal guarantee in the the file | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844409 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-24 04:31 | 2025-11-07 05:46 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-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 563 and the Final Closing disclosure on Pg#'s 405, reflects escrows. Rate lock date was entered correctly – see Pg#'s 594. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 636, and confirmation the appraisal was delivered to the borrower – see Pg#'s 592. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 563 and the Final Closing disclosure on Pg#'s 405, reflects escrows. Rate lock date was entered correctly – see Pg#'s 594. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 636, and confirmation the appraisal was delivered to the borrower – see Pg#'s 592. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/24/2025 <br> Open-The loan's (8.284%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-09/24/2025 |  | Resolved-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 563 and the Final Closing disclosure on Pg#'s 405, reflects escrows. Rate lock date was entered correctly – see Pg#'s 594. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 636, and confirmation the appraisal was delivered to the borrower – see Pg#'s 592. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-11/07/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 563 and the Final Closing disclosure on Pg#'s 405, reflects escrows. Rate lock date was entered correctly – see Pg#'s 594. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 636, and confirmation the appraisal was delivered to the borrower – see Pg#'s 592. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/24/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844409 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-16 04:04 | 2025-09-24 08:40 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-the client elects to waive with the following compensating factors - Due Diligence Vendor-09/24/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-09/23/2025 <br> Open-Exception available in page no # 627, for Borrower has owned company since xxxxxx but transitioned to a new LLC in xxxxxx with daughter as 10% owner. Current SE < 2 yrs. Exception approved by management. - Due Diligence Vendor-09/16/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-09/23/2025 | Waived-the client elects to waive with the following compensating factors - Due Diligence Vendor-09/24/2025 |  | Credit Score is 736. Minimum required per guidelines is 700.<br> Residual Income is $8,820.45 Minimum Residual Income required per guidelines is $3500. <br> Borrower(s) have 16.17 months Reserves. Minimum required per guidelines is 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844409 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-16 03:20 | 2025-09-24 04:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Resolved-Requested Initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-09/24/2025 |  |  | xxxxxx CD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844409 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-16 06:42 | 2025-09-24 02:49 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Requested Proof for "Cash out proceeds of $110,000 from refinance provided" updated & Condition resolved. - Due Diligence Vendor-09/24/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements We have Cash out proceeds of $110,000 from refinance will cover funds to close, but documentation for the amount is missing. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Resolved-Requested Proof for "Cash out proceeds of $110,000 from refinance provided" updated & Condition resolved. - Due Diligence Vendor-09/24/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/24/2025 |  |  | Refinance documents.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844687 | xxxxxx | D A | Closed | xxxxxx | 2025-08-12 12:55 | 2025-08-13 06:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Received prepayment rider - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Prepay Rider - Seller-08/12/2025 <br> Open-PPP rider is missing from the file. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Prepay Rider - Seller-08/12/2025 | Resolved-Received prepayment rider - Due Diligence Vendor-08/13/2025 |  |  | xxxxxx Prepay Rider.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844691 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845328 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-17 04:31 | 2025-11-07 05:57 | Resolved | 1 - Information C A | Compliance | Fees:Limited | xxxxxx - Recording Service Fee (MLFOP)(First Lien) | Resolved-Resolved, PCCD, LOX, proof of delivery, and copy of check provided. - Due Diligence Vendor-11/07/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved-Resolved, PCCD, LOX, proof of delivery, and copy of check provided. - Due Diligence Vendor-10/09/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Refund attached. - Seller-09/18/2025 <br> Open-You charged a ($50.00) Recording Service Fee. The xxxxxx Loans, Fees, Obligations Provisions limit the amount of the additional service fee for recording a cancellation of a mortgage to $25. (xxxxxx 3:1-16.2(a)(9)) - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Refund attached. - Seller-09/18/2025 | Resolved-Resolved, PCCD, LOX, proof of delivery, and copy of check provided. - Due Diligence Vendor-11/07/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/07/2025 <br> Resolved-Resolved, PCCD, LOX, proof of delivery, and copy of check provided. - Due Diligence Vendor-10/09/2025 |  |  | xxxxxx Check.pdf<br> xxxxxx LOX.pdf<br> xxxxxx xxxxxx.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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845328 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-17 04:31 | 2025-11-07 05:57 | Cured | 2 - Non-Material C B | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Cured-Cured, received a copy of check, post consumption CD, xxxxxx Label, and letter. - Due Diligence Vendor-11/07/2025 <br> Cured-Cured - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Cured-Cured, received a copy of check, post consumption CD, xxxxxx Label, and letter. - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open-Cured, received a copy of check, post consumption CD, xxxxxx Label, and letter. - Due Diligence Vendor-09/19/2025 <br> Cured-Cured, received a copy of check, post consumption CD, xxxxxx Label, and letter. - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Refund attached. - Seller-09/18/2025 <br> Open-Section 3:1-16.2 of the xxxxxx Loans, Fees, Obligations Provisions (xxxxxx 3:1-16.2) does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in xxxxxx. - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Refund attached. - Seller-09/18/2025 | Cured-Cured, received a copy of check, post consumption CD, xxxxxx Label, and letter. - Due Diligence Vendor-11/07/2025 <br> Cured-Cured - Due Diligence Vendor-11/07/2025 <br> Cured-Cured, received a copy of check, post consumption CD, xxxxxx Label, and letter. - Due Diligence Vendor-09/19/2025 <br> Cured-Cured, received a copy of check, post consumption CD, xxxxxx Label, and letter. - Due Diligence Vendor-09/19/2025 |  |  | xxxxxx Check.pdf<br> xxxxxx xxxxxx.pdf<br> xxxxxx LOX.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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845328 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-16 07:32 | 2025-09-18 05:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Bank Statement Summary / Lender Worksheet Missing | Resolved-Received a clear legible copy of bank statement worksheet with a new 1008 and 1003 correcting the income. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <br> Counter-Counter, when blown up it is still hard to read. The entry for 04/2025 on the bank statements show deposits in the amount of 32,692.71 -999.99 = 31,692.72 however the bank statement work sheet looks as if they are using 37,454.79. This is making the income have a 120.00 difference for both borrowers. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Need to enlarge. - Seller-09/16/2025 <br> Open-Missing legible bank statement worksheet. Worksheet in file is blurry. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025 <br> Ready for Review-Need to enlarge. - Seller-09/16/2025 | Resolved-Received a clear legible copy of bank statement worksheet with a new 1008 and 1003 correcting the income. - Due Diligence Vendor-09/18/2025 |  |  | xxxxxx 1008.pdf<br> xxxxxx worksheet.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 | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845328 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-14 05:53 | 2025-09-18 05:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Resolved, received bank statements. - Due Diligence Vendor-09/17/2025 <br> Resolved-2 months bank statements for xxxxxx (7/24 and 6/25) provided. Borrower 1 Business Bank Statements Provided<br> - Due Diligence Vendor-09/17/2025 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Need to enlarge once opened. - Seller-09/16/2025 <br> Open-Borrower 1 Business Bank Statements Missing Borrower 1 is Qualifying with Business bank statement, we are able to verify the 11 month bank statement (08/01/2024-06/30/2025), 2 months bank statement is missing in file from the employer "xxxxxx". 7/24 and 6/25. - Due Diligence Vendor-09/14/2025 | Ready for Review-Document Uploaded. Need to enlarge once opened. - Seller-09/16/2025 | Resolved-Resolved, received bank statements. - Due Diligence Vendor-09/17/2025 <br> Resolved-2 months bank statements for xxxxxx (7/24 and 6/25) provided. Borrower 1 Business Bank Statements Provided<br> - Due Diligence Vendor-09/17/2025 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-09/17/2025 |  |  | xxxxxx Calcs.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 |
| 845328 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-14 05:53 | 2025-09-18 05:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Business Bank Statements Missing | Resolved-Resolved, received bank statements. - Due Diligence Vendor-09/17/2025 <br> Resolved-2 months bank statements for xxxxxx (7/24 and 6/25) provided. - Due Diligence Vendor-09/17/2025 <br> Resolved-Borrower 2 Business Bank Statements Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Borrower 2 Business Bank Statements Missing Borrower 1 is Qualifying with Business bank statement, we are able to verify the 11 month bank statement (08/01/2024-06/30/2025), 2 months bank statement is missing in file from the employer xxxxxx. 7/24 and 6/25. - Due Diligence Vendor-09/14/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025 | Resolved-Resolved, received bank statements. - Due Diligence Vendor-09/17/2025 <br> Resolved-2 months bank statements for xxxxxx (7/24 and 6/25) provided. - Due Diligence Vendor-09/17/2025 <br> Resolved-Borrower 2 Business Bank Statements Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/17/2025 |  |  | xxxxxx June 2025.pdf<br> July 2024 account statement.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 |
| 845328 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-14 08:45 | 2025-09-17 05:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received initial closing disclosure. - Due Diligence Vendor-09/17/2025 <br> Resolved-Initial CD Provided. Resolved - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-TRID: Missing Closing Disclosure Provide the Initial CD, related COC and the Disclosure Tracking Summary. - Due Diligence Vendor-09/14/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025 | Resolved-Resolved, received initial closing disclosure. - Due Diligence Vendor-09/17/2025 <br> Resolved-Initial CD Provided. Resolved - Due Diligence Vendor-09/17/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845328 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-14 04:25 | 2025-09-17 01:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided.<br> - Due Diligence Vendor-09/17/2025 <br> Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Borrower 2 Gap Credit Report is Missing in file. - Due Diligence Vendor-09/14/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025 | Resolved-Borrower 2 Gap Credit Report provided.<br> - Due Diligence Vendor-09/17/2025 <br> Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-09/17/2025 |  |  | Gap credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845328 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-14 04:25 | 2025-09-17 01:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-09/17/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing in file. - Due Diligence Vendor-09/14/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025 | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-09/17/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/17/2025 |  |  | Gap credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845328 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-16 06:58 | 2025-09-17 01:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Free and clear property. Confirmed by title and CD. - Seller-09/16/2025 <br> Open-Missing verification of mortgage or free and clear letter. - Due Diligence Vendor-09/16/2025 | Ready for Review-Free and clear property. Confirmed by title and CD. - Seller-09/16/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-09/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845339 | xxxxxx | C A | Closed | xxxxxx | 2025-09-16 17:19 | 2025-09-18 10:28 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <br> Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025 | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-09/18/2025 |  |  | xxxxxx OFAC.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846106 | xxxxxx | D A | Closed | xxxxxx | 2025-08-20 08:34 | 2025-10-23 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet for B2 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/02/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-08/29/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower 2 income worksheet is missing. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-08/29/2025 | Resolved-Lender Income Calculation Worksheet for B2 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/02/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-09/02/2025 |  |  | Income Calculation Worksheet-Brook 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 |
| 846106 | xxxxxx | D A | Closed | xxxxxx | 2025-08-20 08:33 | 2025-09-15 06:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received LOE for gap in employment - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. LOE - Seller-09/11/2025 <br> Counter-Based on guidelines required LOX for gap in employment. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. UW lox - business - Seller-08/29/2025 <br> Open-As per CPA page 371, Borrower 1 business expenses ration is 5% but income worksheet considered 15% expenses ratio and Borrower 2 has employment gap from 11/15/2024 to 05/05/2025 but there is no LOX in the file. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. LOE - Seller-09/11/2025 <br> Ready for Review-Document Uploaded. UW lox - business - Seller-08/29/2025 | Resolved-Received LOE for gap in employment - Due Diligence Vendor-09/15/2025 |  |  | xxxxxx uw lox business.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 |
| 846106 | xxxxxx | D A | Closed | xxxxxx | 2025-08-20 06:43 | 2025-08-25 06:00 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 008 with correct Credit score - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/22/2025 <br> Open-Qualifying FICO on the 1008 Page is '793' or blank, but the Qualifying FICO from the Credit Liabilities Page is '799' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per Guideline version 08/06/2025 page 36 - Borrower 1 with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score but 1008 considered the Borrower 2 score<br> - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-08/22/2025 | Resolved-Updated 008 with correct Credit score - Due Diligence Vendor-08/25/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846345 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846346 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846366 | xxxxxx | D A | Closed | xxxxxx | 2025-09-30 17:29 | 2025-10-02 08:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/02/2025 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846457 | 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 - Debt Consolidation |  |  |  |
| 846515 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 02:46 | 2025-09-29 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statement Provided. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Bank Statement - Seller-09/29/2025 <br> Open-Borrower 1 Business Bank Statements Missing • Business bank statement for xxxxxx account xxxxxx for the month of July 2024 is missing from the file. This statement was used for income qualification. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. Bank Statement - Seller-09/29/2025 | Resolved-Borrower 1 Business Bank Statement Provided. - Due Diligence Vendor-09/29/2025 |  |  | Business Bank Statement - 7-2024.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 |
| 846515 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 01:16 | 2025-09-25 13:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/25/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The xxxxxx Alerts Summary document shows a total of 4 High alerts, only 3 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/25/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/25/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846919 | xxxxxx | D A | Closed | xxxxxx | 2025-09-05 08:50 | 2025-09-15 06:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 3 Missing | Resolved-No gift funds used received updated 1003 - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Updated 1003 to support no gift funds - Seller-09/11/2025 <br> Counter-Gift letter in file and based on final 1003. DO not see on final CD. need confirmation no gift funds were used. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Here is the Final SS and Final Funds. I don't show they used the gift - Seller-09/08/2025 <br> Open-Need wire confirmation for the 20,000 gift funds. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Updated 1003 to support no gift funds - Seller-09/11/2025 <br> Ready for Review-Document Uploaded. Here is the Final SS and Final Funds. I don't show they used the gift - Seller-09/08/2025 | Resolved-No gift funds used received updated 1003 - Due Diligence Vendor-09/15/2025 |  |  | Final SS w Funds.pdf<br> 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 |
| 847031 | xxxxxx | D A | Closed | xxxxxx | 2025-09-08 23:03 | 2025-09-24 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Updated 1003 Provided by removing the asset where non borrower included hence no lox required, updated & condition resolved.<br> - Due Diligence Vendor-09/16/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. 1003 asset removed - Seller-09/15/2025 <br> Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Non-Borrower is on the joint bank statement provided (xxxxxx), however there is not a LOE in file granting permission to access the funds.<br> - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. 1003 asset removed - Seller-09/15/2025 | Resolved-Updated 1003 Provided by removing the asset where non borrower included hence no lox required, updated & condition resolved.<br> - Due Diligence Vendor-09/16/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-09/16/2025 |  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847031 | xxxxxx | D A | Closed | xxxxxx | 2025-09-16 04:10 | 2025-09-24 14:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received proof of funds and updated 1003 with correct amount for gift funds Updated 1003 and asset page. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-09/23/2025 <br> Counter-1003 attached still shows for 230k. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Gift came in lesser than the gift letter which is allowed. attached is 1003 updated to match final gift amount - Seller-09/18/2025 <br> Counter-Gift letter is for 230,000 and cashiers check is for 221,990.11 - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Gift Funds - Seller-09/16/2025 <br> Open-Gift funds are used but wire transfer proof is missing in the file - Due Diligence Vendor-09/16/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-09/23/2025 <br> Ready for Review-Document Uploaded. Gift came in lesser than the gift letter which is allowed. attached is 1003 updated to match final gift amount - Seller-09/18/2025 <br> Ready for Review-Document Uploaded. Gift Funds - Seller-09/16/2025 | Resolved-Received proof of funds and updated 1003 with correct amount for gift funds Updated 1003 and asset page. - Due Diligence Vendor-09/24/2025 |  |  | Gift Funds.pdf<br> 1003.pdf<br> 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 |
| 847045 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-29 11:33 | 2025-11-19 09:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Resolved, received executed initial 4506 for borrower 1. - Due Diligence Vendor-10/02/2025 <br> Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Open-Borrower 1 Executed 4506-T Missing Missing initial 4506 C signed at application. - Due Diligence Vendor-09/30/2025 <br> Open-Borrower 1 Executed 4506-T Missing Missing 4506 signed at closing. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025 | Resolved-Resolved, received executed initial 4506 for borrower 1. - Due Diligence Vendor-10/02/2025 <br> Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/02/2025 |  |  | xxxxxx 4506C - xxxxxx - 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 |
| 847045 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-29 11:33 | 2025-11-19 09:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Resolved, received 4506 C for borrower 2 signed at closing. - Due Diligence Vendor-09/30/2025 <br> Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Open-Borrower 2 Executed 4506-T Missing Missing 4506 signed at application. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025 | Resolved-Resolved, received 4506 C for borrower 2 signed at closing. - Due Diligence Vendor-09/30/2025 <br> Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/30/2025 |  |  | xxxxxx 4506C.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 |
| 847045 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-25 02:56 | 2025-09-30 10:11 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Open- - Due Diligence Vendor-09/29/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). the Initial LE to Final cd Increased Points - Loan Discount Fee =$1524.81 There is no coc in File. - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025 | Resolved-Resolved - Due Diligence Vendor-09/30/2025 |  |  | xxxxxx CC 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 |
| 847303 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-10 04:36 | 2025-09-16 05:58 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/16/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/15/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 08.08.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 426) is showing 1 high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/15/2025 | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/16/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/16/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847303 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-10 06:09 | 2025-09-12 05:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Other Required mortgage rider | Resolved-GA Acknowledgement of Borrower Rights doc uploaded. Resolved - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. GA Acknowledgement of Borrower Rights document - Seller-09/11/2025 <br> Open-Provide GA Acknowledgement of Borrower Rights document as it is marked in DOT but missing from file. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. GA Acknowledgement of Borrower Rights document - Seller-09/11/2025 | Resolved-GA Acknowledgement of Borrower Rights doc uploaded. Resolved - Due Diligence Vendor-09/12/2025 |  |  | xxxxxx Acknowledgment of Borrowers Rights rider.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 |
| 847303 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-10 05:20 | 2025-11-07 06:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-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 # 466 and the Final Closing disclosure on page # 209-214 reflects escrows. Rate lock is on page # 507. An interior and exterior appraisal was completed for this property – see page # 30-56 and the appraisal disclosure was provided to the borrower(s) - see page # 194, 195 and confirmation the appraisal was delivered to the borrower(s) is - see page # 194, 195. The loan meets HPML guidelines. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.416%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 466 and the Final Closing disclosure on page # 209-214 reflects escrows. Rate lock is on page # 507. An interior and exterior appraisal was completed for this property – see page # 30-56 and the appraisal disclosure was provided to the borrower(s) - see page # 194, 195 and confirmation the appraisal was delivered to the borrower(s) is - see page # 194, 195. The loan meets HPML guidelines. - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/11/2025 <br> Open- - Due Diligence Vendor-09/11/2025 <br> Open- - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 |  | Resolved-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 # 466 and the Final Closing disclosure on page # 209-214 reflects escrows. Rate lock is on page # 507. An interior and exterior appraisal was completed for this property – see page # 30-56 and the appraisal disclosure was provided to the borrower(s) - see page # 194, 195 and confirmation the appraisal was delivered to the borrower(s) is - see page # 194, 195. The loan meets HPML guidelines. - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.416%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 466 and the Final Closing disclosure on page # 209-214 reflects escrows. Rate lock is on page # 507. An interior and exterior appraisal was completed for this property – see page # 30-56 and the appraisal disclosure was provided to the borrower(s) - see page # 194, 195 and confirmation the appraisal was delivered to the borrower(s) is - see page # 194, 195. The loan meets HPML guidelines. - Due Diligence Vendor-09/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847305 | xxxxxx | D A | Closed | xxxxxx | 2025-09-10 05:31 | 2025-09-15 04:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Requested HOI Policy Provided, Updated & Condition Resolved.<br> - Due Diligence Vendor-09/15/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Insurance Policy - Seller-09/12/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Insurance Policy - Seller-09/12/2025 | Resolved-Requested HOI Policy Provided, Updated & Condition Resolved.<br> - Due Diligence Vendor-09/15/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/15/2025 |  |  | Property Insurance Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847307 | xxxxxx | C A | Closed | xxxxxx | 2025-09-09 22:43 | 2025-09-15 06:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/12/2025 <br> Open-Fraud Report Shows Uncleared Alerts As per Gl version 08/06/2025 page 26, need to clear all alerts on fraud report but fraud report shows one uncleared alert on low category.<br> - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/12/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/15/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847307 | xxxxxx | C A | Closed | xxxxxx | 2025-09-10 20:45 | 2025-09-15 04:20 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Requested updated 1008 & 1003 provided by updating Negative cash flow amounts of other REO's now HTI & DTI are matching hence condition resolved. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. 1003/1008 Updated - Seller-09/12/2025 <br> Open-Calculated DTI 13.77% not matching with 1008 DTI 12.99%. (Calculated DTI is - Sub property PITIA$5009.3 + Other REO $2018.45 + Other Liabilities $1117= total labilities $8144.75 / Income $59155 = 13.77%) - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. 1003/1008 Updated - Seller-09/12/2025 | Resolved-Requested updated 1008 & 1003 provided by updating Negative cash flow amounts of other REO's now HTI & DTI are matching hence condition resolved. - Due Diligence Vendor-09/15/2025 |  |  | 1003.1008.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 |
| 847310 | 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 |  |  |  |
| 847441 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 15:38 | 2025-11-07 11:29 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Open- - Due Diligence Vendor-11/07/2025 <br> Resolved-his 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 _259___ and the Final Closing disclosure on Pg#'s _103___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _277____ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_59__ , and copy of the appraisal was given to the borrower – see Pg#'s _174____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/07/2025 <br> Resolved-his 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 _259___ and the Final Closing disclosure on Pg#'s _103___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _277____ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_59__ , and copy of the appraisal was given to the borrower – see Pg#'s _174____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _259___ and the Final Closing disclosure on Pg#'s _103___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _277____ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_59__ , and copy of the appraisal was given to the borrower – see Pg#'s _174____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/24/2025 <br> Open-The loan's (8.927%) APR equals or exceeds the Federal HPML threshold of (8.07%). 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 (6.57%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open-The loan's (8.942%) APR equals or exceeds the Federal HPML threshold of (8.07%). 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 (6.57%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 |  | Resolved-his 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 _259___ and the Final Closing disclosure on Pg#'s _103___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _277____ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_59__ , and copy of the appraisal was given to the borrower – see Pg#'s _174____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/07/2025 <br> Resolved-his 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 _259___ and the Final Closing disclosure on Pg#'s _103___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _277____ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_59__ , and copy of the appraisal was given to the borrower – see Pg#'s _174____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/07/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _259___ and the Final Closing disclosure on Pg#'s _103___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _277____ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_59__ , and copy of the appraisal was given to the borrower – see Pg#'s _174____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/24/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847441 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-22 03:45 | 2025-09-24 15:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD along with several CD's and LE along with COC's . - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 | Resolved-Received the initial CD along with several CD's and LE along with COC's . - Due Diligence Vendor-09/24/2025 |  |  | xxxxxx SIGNED INITIAL CD.pdf<br> xxxxxx SIGNED COC CD.pdf<br> xxxxxx xxxxxx COC LE signed.pdf<br> Signed Initial 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 |
| 847441 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-24 15:38 | 2025-09-24 15:41 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved- Fees were capture correctly. - Due Diligence Vendor-09/24/2025 <br> Resolved- - Due Diligence Vendor-09/24/2025 <br> Open-The disclosed finance charge ($821,741.87) is ($225.00) below the actual finance charge($821,966.87). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 |  | Resolved- Fees were capture correctly. - Due Diligence Vendor-09/24/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847441 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-22 07:40 | 2025-09-24 04:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 Provided. Resolved - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-The Final 1003 is Incomplete Per Final 1003, Loan Organization Name is reflecting as xxxxxx (page 7 of 10); however, Final closing documents reflect xxxxxx. Provide updated 1003 with correct Loan Organization Name. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Resolved-Updated 1003 Provided. Resolved - Due Diligence Vendor-09/24/2025 |  |  | 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 |
| 847441 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-22 02:44 | 2025-09-24 02:59 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested Final 1008 Provided with updated FICO of 692 which is matching with Credit Report FICO hence condition resolved. - Due Diligence Vendor-09/24/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Qualifying FICO on the 1008 Page is '656' or blank, but the Qualifying FICO from the Credit Liabilities Page is '692' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the Final 1008 (page 463) is '656' and does not meets GL requirements Min FICO 660. The Qualifying FICO from the Credit Liabilities Page is '692'. Provide updated 1008 with the correct Qualifying FICO of 692 - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Resolved-Requested Final 1008 Provided with updated FICO of 692 which is matching with Credit Report FICO hence condition resolved. - Due Diligence Vendor-09/24/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-09/24/2025 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847592 | xxxxxx | D A | Closed | xxxxxx | 2025-09-14 14:17 | 2025-09-18 03:52 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/18/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-09/17/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 09/05/2025 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-09/14/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-09/17/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/18/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/18/2025 |  |  | xxxxxx 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 |
| 847603 | xxxxxx | C A | Closed | xxxxxx | 2025-09-18 11:25 | 2025-09-22 14:18 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected 1003/1008 received. New DTI is within tolerance. Resolved. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-09/22/2025 <br> Open-• Discrepancy in DTI due to incorrect Credit Debts calculated. Per the Final 1003 (section 2c), the xxxxxx xxxxxx account was counted twice. And the UTILITY SELF-REPORTED account is a collection account and installment with less than 10 payments. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-09/22/2025 | Resolved-Corrected 1003/1008 received. New DTI is within tolerance. Resolved. - Due Diligence Vendor-09/22/2025 |  |  | 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847603 | xxxxxx | C A | Closed | xxxxxx | 2025-09-18 02:11 | 2025-09-22 14:18 | 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 new Gap Credit Report provided. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-09/22/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). • Borrower 1 Gap Credit Report is dated 08/28/2025 which is 12 days of the Note Date of xxxxxx. Per guidelines: "A gap credit report is required no more than 10 days prior to loan closing or any time after closing." - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-09/22/2025 | Resolved-Borrower 1 new Gap Credit Report provided. - Due Diligence Vendor-09/22/2025 |  |  | GAP Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847603 | xxxxxx | C A | Closed | xxxxxx | 2025-09-18 02:26 | 2025-09-22 14:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/22/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The xxxxxx Alerts Summary document shows a total of 7 High alerts, only 6 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/22/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/22/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847651 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-18 06:38 | 2025-11-07 14:15 | Waived | 2 - Non-Material C B | Compliance | Broker:LimitFees | xxxxxx - Max Broker Fees (RLBSA) | Waived- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Acknowledged-Lack of assignee liability. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Acknowledged-Lack of assignee liability. - Due Diligence Vendor-09/29/2025 <br> Acknowledged-Lack of assignee liability. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. It appears that this rule doesn't apply on this xxxxxx loan, due to product type being non-QM and DIDMCA act. <br> Please see our findings attached and reflecting "Exempt", and research<br> - Seller-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open-The total of all fees paid by the borrower to the broker ($6,600.00) exceeds 2% of the loan amount xxxxxx. The xxxxxx Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (xxxxxx. Code Ann. 47-14-113(c); xxxxxx ADC 0180-17-.07(2)) Broker fee $6,600 considered as per the Final CD Document. - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. It appears that this rule doesn't apply on this xxxxxx loan, due to product type being non-QM and DIDMCA act. <br> Please see our findings attached and reflecting "Exempt", and research<br> - Seller-09/19/2025 | Waived- - Due Diligence Vendor-11/07/2025 <br> Acknowledged-Lack of assignee liability. - Due Diligence Vendor-11/07/2025 <br> Acknowledged-Lack of assignee liability. - Due Diligence Vendor-09/29/2025 <br> Acknowledged-Lack of assignee liability. - Due Diligence Vendor-09/25/2025 |  |  | download (3).pdf<br> xxxxxx rule does not apply on NON-QM and DIDMCA.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 | Originator Pre-Close | Yes | xxxxxx |
| 847651 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-18 05:59 | 2025-09-23 05:38 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/23/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/22/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 09/05/2025 on page#26 a clear fraud report is required. The fraud report in file pg#233 is showing a Medium alert. The required cleared report is missing.<br> - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/22/2025 | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/23/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/23/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847651 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-18 06:38 | 2025-11-07 14:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.433%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s256 and the Final Closing disclosure on Pg#'s110, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s291,275,89. An interior and exterior appraisal was completed for this property – see pg#'s34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s71-72. and confirmation the appraisal was delivered to the borrower – see Pg#'137,138. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.433%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s256 and the Final Closing disclosure on Pg#'s110, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s291,275,89. An interior and exterior appraisal was completed for this property – see pg#'s34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s71-72. and confirmation the appraisal was delivered to the borrower – see Pg#'137,138. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/18/2025 |  | Resolved- - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.433%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s256 and the Final Closing disclosure on Pg#'s110, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s291,275,89. An interior and exterior appraisal was completed for this property – see pg#'s34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s71-72. and confirmation the appraisal was delivered to the borrower – see Pg#'137,138. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.433%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s256 and the Final Closing disclosure on Pg#'s110, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s291,275,89. An interior and exterior appraisal was completed for this property – see pg#'s34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s71-72. and confirmation the appraisal was delivered to the borrower – see Pg#'137,138. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/18/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847652 | xxxxxx | C A | Closed | xxxxxx | 2025-09-22 05:56 | 2025-09-25 05:07 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-09/24/2025 <br> Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-09/24/2025 | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-09/25/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847652 | xxxxxx | C A | Closed | xxxxxx | 2025-09-22 06:35 | 2025-11-07 06:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.217%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s xxx and the Final Closing disclosure on Pg#'s 174, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 60-101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 518, and confirmation the appraisal was delivered to the borrower – see Pg#'s 515. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-09/25/2025 <br> Resolved-The loan's (8.217%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s xxx and the Final Closing disclosure on Pg#'s 174, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 60-101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 518, and confirmation the appraisal was delivered to the borrower – see Pg#'s 515. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/22/2025 |  | Resolved-The loan's (8.217%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s xxx and the Final Closing disclosure on Pg#'s 174, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 60-101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 518, and confirmation the appraisal was delivered to the borrower – see Pg#'s 515. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-09/25/2025 <br> Resolved-The loan's (8.217%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s xxx and the Final Closing disclosure on Pg#'s 174, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 60-101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 518, and confirmation the appraisal was delivered to the borrower – see Pg#'s 515. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-09/22/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847652 | xxxxxx | C A | Closed | xxxxxx | 2025-09-22 06:35 | 2025-11-07 06:12 | 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 (8.217%) equals or exceeds the xxxxxx HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.63%).(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 xxx and the Final Closing disclosure on Pg#'s 174, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 60-101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 518, and confirmation the appraisal was delivered to the borrower – see Pg#'s 515. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-09/25/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.217%) equals or exceeds the xxxxxx HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.63%).(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 xxx and the Final Closing disclosure on Pg#'s 174, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 60-101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 518, and confirmation the appraisal was delivered to the borrower – see Pg#'s 515. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/22/2025 |  | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.217%) equals or exceeds the xxxxxx HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.63%).(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 xxx and the Final Closing disclosure on Pg#'s 174, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 60-101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 518, and confirmation the appraisal was delivered to the borrower – see Pg#'s 515. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-09/25/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.217%) equals or exceeds the xxxxxx HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.63%).(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 xxx and the Final Closing disclosure on Pg#'s 174, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 60-101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 518, and confirmation the appraisal was delivered to the borrower – see Pg#'s 515. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/22/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847878 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 01:42 | 2025-10-07 06:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003, 1008, and employment page 50/50 ownership. Income has been updated. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 using just income from the business acct split 50/50 between borrowers - Seller-10/06/2025 <br> Counter-Based on the Articles of Corp in the file ownership is 50% for each borrower and income is not established that way based on the income worksheets. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-10/01/2025 <br> Counter-Income amount is not entered in on the 1003's for each borrower. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. 1003 updated - Seller-09/29/2025 <br> Open-The Final 1003 is Incomplete B1 & B2 are self-employed, however employment information is not provided section 1b. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. Updated 1003/1008 using just income from the business acct split 50/50 between borrowers - Seller-10/06/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-10/01/2025 <br> Ready for Review-Document Uploaded. 1003 updated - Seller-09/29/2025 | Resolved-Updated 1003, 1008, and employment page 50/50 ownership. Income has been updated. - Due Diligence Vendor-10/07/2025 |  |  | 1003.pdf<br> 1003.pdf<br> 1003.pdf<br> 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847878 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 03:49 | 2025-09-25 09:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (xxxxxx) | Resolved-Resolved - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. COC xxxxxx - Seller-09/24/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($802.16). The Last CD shows a total lender credit amount of ($728.16). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits are decreased from $802.16 on initial CD to $728.16 on final CD. Provide a valid COC to cure this difference. - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. COC xxxxxx - Seller-09/24/2025 | Resolved-Resolved - Due Diligence Vendor-09/25/2025 |  |  | xxxxxx COC xxxxxx LOCK EXTENSION.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 |
| 847925 | xxxxxx | C A | Closed | xxxxxx | 2025-09-17 01:39 | 2025-09-24 14:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/24/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The xxxxxx Alerts Summary document shows a total of 7 High alerts, only 5 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/24/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-09/24/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847944 | 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 |  |  |  |
| 848109 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-30 00:18 | 2025-08-07 12:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Final 1003 with corrected REO information provided. - Due Diligence Vendor-08/05/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/04/2025 <br> Open-The Final 1003 is Incomplete As per provided Credit supplement report page #138 the xxxxxx is transferred to xxxxxx, however same is not reflecting in Final 1003 - Due Diligence Vendor-07/30/2025 |  | Resolved-Final 1003 with corrected REO information provided. - Due Diligence Vendor-08/05/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-08/05/2025 |  |  | AUDIT CONDITIONS-389.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 |
| 848109 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-01 12:20 | 2025-08-07 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. RSU income removed DTI still in line. - Buyer-08/06/2025 <br> Counter-Per guidelines, the requirements for RSU are not met, to be able to use restricted stock income we will need all the requirements to be met. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/04/2025 <br> Open-Borrower 1 WVOE Missing WVOE with a detailed breakdown of all income including RSU's for the last two years plus YTD - Due Diligence Vendor-08/01/2025 |  | Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-08/07/2025 |  |  | inc wright.pdf<br> VOE - WRITTEN VERIFICATION OF EMPLOYMENT-96.pdf<br> MISC - INCOME-31.pdf<br> MISC - INCOME-30.pdf<br> APPROVAL CERTIFICATE_-237.pdf<br> LOPrint-320.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 |
| 848109 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-30 01:40 | 2025-08-01 12:44 | Waived | 2 - Non-Material B | Credit | Credit | Deficient Income Documentation | Waived-Exception made for using RSU income with less than 3 years vesting. - Due Diligence Vendor-07/30/2025 |  | Waived-Exception made for using RSU income with less than 3 years vesting. - Due Diligence Vendor-07/30/2025 |  | 1. LTV is 65.71%. Maximum allowed per guidelines is 90%.<br> 2. Residual Income is $19,904.98. Minimum Residual Income required per guidelines is $2500. <br> 3. Borrower has 13 years 2 months years working at the same employer<br> 4. No history of derogatory credit on borrowers credit report. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 848109 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-01 09:43 | 2025-08-01 09:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Asset do not meet guidelines | Waived-Exception made for using HELOC funds for cash to close - Due Diligence Vendor-08/01/2025 |  | Waived-Exception made for using HELOC funds for cash to close - Due Diligence Vendor-08/01/2025 |  | 1. LTV is 65.71%. Maximum allowed per guidelines is 90%.<br> 2. Residual Income is $19,904.98. Minimum Residual Income required per guidelines is $2500. <br> 3. Borrower has 13 years 2 months years working at the same employer<br> 4. No history of derogatory credit on borrowers credit report. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 848159 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-23 05:37 | 2025-10-02 09:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-"Exception for - Post closing - LTV OF 90% FOR DECLINING PROPERTY VALUES."<br>"The loan transaction is subject to an LTV/CLTV cap, program specific, if the property is in a declining market. Declining markets are determined when the appraisal report reflects a declining market under housing trends. Areas designated declining in value on the appraisal require a 5% reduction in LTV when the LTV is > 70%. For DSCR loans, maximum LTVs may apply. See the DSCR section of the matrix." - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-10/02/2025 <br> Open-Audited LTV of 90% exceeds Guideline LTV of 85% • Per the 1004 Appraisal, this property is in a market with Declining Property Values. Per the Kind 9/05/2025 guidelines (section 6.1.1.6): "Areas designated declining in value on the appraisal require a 5% reduction in LTV when the LTV is > 70%." Therefore, this loan should have a maximum LTV of 90% - 5% = 85%. However, it was approved at 90%. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-10/02/2025 | Waived-"Exception for - Post closing - LTV OF 90% FOR DECLINING PROPERTY VALUES."<br>"The loan transaction is subject to an LTV/CLTV cap, program specific, if the property is in a declining market. Declining markets are determined when the appraisal report reflects a declining market under housing trends. Areas designated declining in value on the appraisal require a 5% reduction in LTV when the LTV is > 70%. For DSCR loans, maximum LTVs may apply. See the DSCR section of the matrix." - Due Diligence Vendor-10/02/2025 |  | (1) Reserves of 13.39 months exceeds the program minimum of 6 months.<br> (2) DTI of 24.62% is less than the maximum of 45% by 20.38%.<br> (3) 725 FICO score with a credit history since 3/2018 and 3 open tradelines with 88% available credit (not a credit abuser). | Exception Approval - xxxxxx.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 |
| 848159 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 23:50 | 2025-09-26 03:49 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Updated 1003/1008 with corrected Income provided. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-09/25/2025 <br> Open-• Qualifying Income was $10,600.74. However, the only income verification worksheet in file calculates $8,119.87 (12 months bank statements from xxxxxx for xxxxxx). Either (1) there is an additional income worksheet missing for the remaining amount, or (2) qualifying income was incorrect. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-09/25/2025 | Resolved-Updated 1003/1008 with corrected Income provided. - Due Diligence Vendor-09/26/2025 |  |  | 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848159 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-24 05:59 | 2025-09-26 03:47 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-09/25/2025 <br> Open-The 1008 document is missing from the loan file. • The provided 1008 has a Property tax amount that does not match the Final CD. The 1008 states xxxxxx, but the Final CD (section G) and the First Payment Letter both state xxxxxx. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-09/25/2025 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/26/2025 |  |  | 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848159 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 23:40 | 2025-11-07 07:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#486 and the Final Closing disclosure on Pg#130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#516. An interior and exterior appraisal was completed for this property – see pg#42 , the appraisal disclosure was provided to the borrower(s)- see Pg#117, and confirmation the appraisal was delivered to the borrower – see Pg#260. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-10/02/2025 <br> Resolved-The loan's (8.28%) APR equals or exceeds the Federal HPML threshold of (8.04%). 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 (6.54%).(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#486 and the Final Closing disclosure on Pg#130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#516. An interior and exterior appraisal was completed for this property – see pg#42 , the appraisal disclosure was provided to the borrower(s)- see Pg#117, and confirmation the appraisal was delivered to the borrower – see Pg#260. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/23/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#486 and the Final Closing disclosure on Pg#130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#516. An interior and exterior appraisal was completed for this property – see pg#42 , the appraisal disclosure was provided to the borrower(s)- see Pg#117, and confirmation the appraisal was delivered to the borrower – see Pg#260. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.28%) APR equals or exceeds the Federal HPML threshold of (8.04%). 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 (6.54%).(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#486 and the Final Closing disclosure on Pg#130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#516. An interior and exterior appraisal was completed for this property – see pg#42 , the appraisal disclosure was provided to the borrower(s)- see Pg#117, and confirmation the appraisal was delivered to the borrower – see Pg#260. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-09/23/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848159 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-22 23:40 | 2025-11-07 07:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Open- - Due Diligence Vendor-11/07/2025 <br> Resolved-. - Due Diligence Vendor-10/02/2025 <br> Open- - Due Diligence Vendor-10/02/2025 <br> Resolved-The loan's (8.28%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.04%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.54%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 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#486 and the Final Closing disclosure on Pg#130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#516. An interior and exterior appraisal was completed for this property – see pg#42 , the appraisal disclosure was provided to the borrower(s)- see Pg#117, and confirmation the appraisal was delivered to the borrower – see Pg#260. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/23/2025 |  | Resolved-. - Due Diligence Vendor-10/02/2025 <br> Resolved-The loan's (8.28%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (8.04%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.54%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 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#486 and the Final Closing disclosure on Pg#130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#516. An interior and exterior appraisal was completed for this property – see pg#42 , the appraisal disclosure was provided to the borrower(s)- see Pg#117, and confirmation the appraisal was delivered to the borrower – see Pg#260. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/23/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848278 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848541 | 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 |  |  |  |
| 848604 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-06 12:47 | 2025-10-08 17:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception to allow reserves of 11.6 months vs 12 months - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. Please see exception attached - Buyer-10/08/2025 <br> Open-Audited Reserves of 11.6 month(s) are less than Guideline Required Reserves of 12 month(s) • Loan is short reserves. Total Cash on-hand is $439,366.36 + $40,000 gift + $75,000 gift = Total Assets of $554,366.36. Minus the $375,000 Cash-to-Close per the Final CD leaves $179,366.36. With a loan amount over $xxxxxx, reserves needed are 12 months PITIA (per the 8/12/2025 Full Doc Matrix), or $15,464.64 x 12 months = $185,575.68. Therefore the loan is short the needed reserves by $6,209.32. - Due Diligence Vendor-10/06/2025 |  | Waived-Exception to allow reserves of 11.6 months vs 12 months - Due Diligence Vendor-10/08/2025 |  | (1) High Discretionary/Residual Income - over $18,926.<br> (2) Number of Years in Home - Borrower has lived in their most-recent property for over 7 years.<br> (3) Housing History 0x30x32 on current mortgage.<br> (4) Depth of Credit since 2003. Only 6% Revolving Credit Utilization. Not a Credit Abuser.<br> (5) Self-Employed business owner since xxxxxx (4+ years). | xxxxxx Exception LTV and Reserves.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 |
| 848604 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-06 11:54 | 2025-10-08 17:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception to allow LTV of 83.33% vs 80% guideline - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. Please see exception attached - Buyer-10/08/2025 <br> Open-Audited LTV of 83.33% exceeds Guideline LTV of 80% • Per the 8/12/2025 Full Doc Matrix on a primary purchase, for a $xxxxxx loan, with a 720 FICO, the max LTV is 80%. However, this loan qualified with an 83.333% LTV. - Due Diligence Vendor-10/06/2025 |  | Waived-Exception to allow LTV of 83.33% vs 80% guideline - Due Diligence Vendor-10/08/2025 |  | (1) High Discretionary/Residual Income - over $18,926.<br> (2) Number of Years in Home - Borrower has lived in their most-recent property for over 7 years.<br> (3) Housing History 0x30x32 on current mortgage.<br> (4) Depth of Credit since 2003. Only 6% Revolving Credit Utilization. Not a Credit Abuser.<br> (5) Self-Employed business owner since xxxxxx (4+ years). | xxxxxx Exception LTV and Reserves.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 |
| 848696 | xxxxxx | C A | Closed | xxxxxx | 2025-10-07 07:36 | 2025-10-14 02:33 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/14/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-10/13/2025 <br> Open-Fraud Report Shows Uncleared Alerts The guidelines state a clear fraud report is required. The fraud report in file is showing 1 high uncleared alert. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-10/13/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/14/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/14/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848696 | xxxxxx | C A | Closed | xxxxxx | 2025-10-07 07:19 | 2025-10-14 02:33 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/14/2025 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-10/13/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The guidelines reflect a gap credit report is required no more than 10 days prior to loan closing or any time after closing. However, gap report on file is dated 09/16/2025 which is more than 10 days prior to closing date of xxxxxx. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-10/13/2025 | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/14/2025 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/14/2025 |  |  | GAP Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848696 | xxxxxx | C A | Closed | xxxxxx | 2025-10-07 08:34 | 2025-11-07 05:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.291%) APR equals or exceeds the Federal HPML threshold of (8.04%). 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 (6.54%).(12 CFR 1026.35(a)(1)(i)) his 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 # 443 and the Final Closing disclosure on page # 230-234 reflects escrows. Rate lock is on page # 460. An interior and exterior appraisal was completed for this property – see page # 29-60, the appraisal disclosure was provided to the borrower(s)- see page # 502, 503, and confirmation the appraisal was delivered to the borrower – see page # 502, 503. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.288%) APR equals or exceeds the Federal HPML threshold of (8.04%). 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 (6.54%).(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 # 443 and the Final Closing disclosure on page # 230-234 reflects escrows. Rate lock is on page # 460. An interior and exterior appraisal was completed for this property – see page # 29-60, the appraisal disclosure was provided to the borrower(s)- see page # 502, 503, and confirmation the appraisal was delivered to the borrower – see page # 502, 503. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 |  | Resolved-The loan's (8.291%) APR equals or exceeds the Federal HPML threshold of (8.04%). 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 (6.54%).(12 CFR 1026.35(a)(1)(i)) his 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 # 443 and the Final Closing disclosure on page # 230-234 reflects escrows. Rate lock is on page # 460. An interior and exterior appraisal was completed for this property – see page # 29-60, the appraisal disclosure was provided to the borrower(s)- see page # 502, 503, and confirmation the appraisal was delivered to the borrower – see page # 502, 503. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.288%) APR equals or exceeds the Federal HPML threshold of (8.04%). 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 (6.54%).(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 # 443 and the Final Closing disclosure on page # 230-234 reflects escrows. Rate lock is on page # 460. An interior and exterior appraisal was completed for this property – see page # 29-60, the appraisal disclosure was provided to the borrower(s)- see page # 502, 503, and confirmation the appraisal was delivered to the borrower – see page # 502, 503. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848699 | xxxxxx | C A | Closed | xxxxxx | 2025-09-29 06:12 | 2025-10-09 06:53 | 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-10/09/2025 <br> Ready for Review-Document Uploaded. This was a concurrent close and we have the final signed statement. We should not need more than this. Please escalate if necessary - Seller-10/07/2025 <br> Counter-Need wire for the proceeds as well - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Sale of Property Final SS - Seller-10/02/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Provide proof of document for proceeds from sale funds of xxxxxx as it is missing from file. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. This was a concurrent close and we have the final signed statement. We should not need more than this. Please escalate if necessary - Seller-10/07/2025 <br> Ready for Review-Document Uploaded. Sale of Property Final SS - Seller-10/02/2025 | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-10/09/2025 |  |  | Final SS for sale of Property.pdf<br> Final SS for sale of Property.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 |
| 848699 | xxxxxx | C A | Closed | xxxxxx | 2025-09-29 06:16 | 2025-10-02 06:07 | 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-10/02/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-10/01/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 340) is showing 3 high uncleared alerts. The required cleared report is missing.<br> - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-10/01/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/02/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848993 | xxxxxx | D A | Closed | xxxxxx | 2025-10-10 00:55 | 2025-10-14 17:24 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Updated property page. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-10/14/2025 <br> Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements. No secondary valuation available in file. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-10/14/2025 | Resolved-Updated property page. - Due Diligence Vendor-10/14/2025 |  |  | xxxxxx xxxxxx SSR.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 |
| 848993 | xxxxxx | D A | Closed | xxxxxx | 2025-10-09 23:17 | 2025-11-07 05:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.136%) 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 387 and the Final Closing disclosure on Pg 228, Finding reflects escrows. Rate lock date was entered correctly – see Pg 416. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg 506, and confirmation the appraisal was delivered to the borrower – see Pg 253, 505. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-10/10/2025 <br> Open- - Due Diligence Vendor-10/10/2025 <br> Open- - Due Diligence Vendor-10/10/2025 |  | Resolved-. - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (8.136%) 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 387 and the Final Closing disclosure on Pg 228, Finding reflects escrows. Rate lock date was entered correctly – see Pg 416. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg 506, and confirmation the appraisal was delivered to the borrower – see Pg 253, 505. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-10/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849762 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 07:12 | 2025-10-18 05:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-10/18/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Open-Provide Revised LE dated xxxxxx and related COC - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025 | Resolved-Resolved. Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-10/18/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849768 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-14 09:01 | 2025-10-16 13:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page 349 Exception Reason: Reserves - Loan File 5.86 Months, GL Requirement 9 Months. Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/16/2025 <br> Waived-Exception page 349 <br> Exception Reason: Reserves - Loan File 5.86 Months, GL Requirement 9 Months.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/14/2025 |  | Waived-Exception page 349 Exception Reason: Reserves - Loan File 5.86 Months, GL Requirement 9 Months. Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/16/2025 <br> Waived-Exception page 349 <br> Exception Reason: Reserves - Loan File 5.86 Months, GL Requirement 9 Months.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/14/2025 |  | DTI is 9.16%. Maximum allowed per guidelines is 50%.<br> Credit Score is 755. Minimum required per guidelines is Min 700<br> Consumer Payment History is 0X30, 84 months. Required per guidelines is 0X60, 12 months.<br> Residual Income is $38,924.70. Minimum Residual Income required per guidelines is $2500. |  | 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 |
| 849768 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-15 12:28 | 2025-10-16 13:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Revised CD dated xxxxxx and related COC. Resolved - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025 | Resolved-Received Revised CD dated xxxxxx and related COC. Resolved - Due Diligence Vendor-10/16/2025 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC 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 |
| 849768 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-15 12:22 | 2025-10-16 13:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received Revised LE dated xxxxxx and related COC. Resolved - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-Provide Revised LE dated xxxxxx and related COC - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025 | Resolved-Received Revised LE dated xxxxxx and related COC. Resolved - Due Diligence Vendor-10/16/2025 |  |  | xxxxxx CC 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 |
| 849768 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-15 12:06 | 2025-10-16 09:31 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Received updated 1008. Resolved - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-The 1008 document is missing from the loan file. 1008 is present; however, Note/Qualifying Rate, P&I payment and DTI% are incorrect. Provide an updated 1008 - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025 | Resolved-Received updated 1008. Resolved - Due Diligence Vendor-10/16/2025 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849769 | xxxxxx | C A | Closed | xxxxxx | 2025-10-16 23:38 | 2025-10-21 05:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-10/21/2025 <br> Resolved- - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide Revised LE dated xxxxxx and related COC for Loan Discount Fee - Due Diligence Vendor-10/17/2025 <br> Open- - Due Diligence Vendor-10/17/2025 <br> Open- - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 | Resolved-Resolved. Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-10/21/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849769 | xxxxxx | C A | Closed | xxxxxx | 2025-10-16 23:38 | 2025-11-12 09:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-OK - Due Diligence Vendor-11/12/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 280 and the Final Closing disclosure on Pg# 142 reflects escrows. Rate lock date was entered correctly see Pg# 297 An interior and exterior appraisal was completed for this property – see Page#23 the appraisal disclosure was provided to the borrower(s)- see Pg# 293, and copy of the appraisal was given to the borrower see Pg# 125, 316 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/07/2025 <br> Resolved-. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/21/2025 <br> Resolved-The loan's (7.889%) 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# 280 and the Final Closing disclosure on Pg# 142 reflects escrows. Rate lock date was entered correctly see Pg# 297 An interior and exterior appraisal was completed for this property – see Page#23 the appraisal disclosure was provided to the borrower(s)- see Pg# 293, and copy of the appraisal was given to the borrower see Pg# 125, 316 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/17/2025 <br> Open- - Due Diligence Vendor-10/17/2025 <br> Open- - Due Diligence Vendor-10/17/2025 |  | Resolved-OK - Due Diligence Vendor-11/12/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 280 and the Final Closing disclosure on Pg# 142 reflects escrows. Rate lock date was entered correctly see Pg# 297 An interior and exterior appraisal was completed for this property – see Page#23 the appraisal disclosure was provided to the borrower(s)- see Pg# 293, and copy of the appraisal was given to the borrower see Pg# 125, 316 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/07/2025 <br> Resolved-. - Due Diligence Vendor-11/07/2025 <br> Resolved-The loan's (7.889%) 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# 280 and the Final Closing disclosure on Pg# 142 reflects escrows. Rate lock date was entered correctly see Pg# 297 An interior and exterior appraisal was completed for this property – see Page#23 the appraisal disclosure was provided to the borrower(s)- see Pg# 293, and copy of the appraisal was given to the borrower see Pg# 125, 316 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849770 | xxxxxx | D A | Closed | xxxxxx | 2025-10-18 07:39 | 2025-10-21 05:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE's dated xxxxxx, xxxxxx and related COC's received - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-Provide Revised LE's dated xxxxxx, xxxxxx and related COC - Due Diligence Vendor-10/18/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 | Resolved-Resolved. Revised LE's dated xxxxxx and related COC's received - Due Diligence Vendor-10/21/2025 |  |  | xxxxxx CC2.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 |

---

## Exhibit 99.42

**EXHIBIT 99.42**

**selene rating agency grades report**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 844194 | xxxxxx |  | xxxxxx A D |
| 844408 | xxxxxx |  | xxxxxx C A B |
| 844409 | xxxxxx |  | xxxxxx C D A B |
| 844687 | xxxxxx |  | xxxxxx A D |
| 844691 | xxxxxx |  | xxxxxx A |
| 845328 | xxxxxx |  | xxxxxx D A B |
| 845339 | xxxxxx |  | xxxxxx C A |
| 846106 | xxxxxx |  | xxxxxx D A |
| 846345 | xxxxxx |  | xxxxxx A |
| 846346 | xxxxxx |  | xxxxxx A |
| 846366 | xxxxxx |  | xxxxxx A D |
| 846457 | xxxxxx |  | xxxxxx A |
| 846515 | xxxxxx |  | xxxxxx D A |
| 846919 | xxxxxx |  | xxxxxx D A |
| 847031 | xxxxxx |  | xxxxxx D A |
| 847045 | xxxxxx |  | xxxxxx D C A |
| 847303 | xxxxxx |  | xxxxxx C D A |
| 847305 | xxxxxx |  | xxxxxx D A |
| 847307 | xxxxxx |  | xxxxxx C A |
| 847310 | xxxxxx |  | xxxxxx A |
| 847441 | xxxxxx |  | xxxxxx C D A |
| 847592 | xxxxxx |  | xxxxxx A D |
| 847603 | xxxxxx |  | xxxxxx C A |
| 847651 | xxxxxx |  | xxxxxx C A B |
| 847652 | xxxxxx |  | xxxxxx C A |
| 847878 | xxxxxx |  | xxxxxx A D |
| 847925 | xxxxxx |  | xxxxxx C A |
| 847944 | xxxxxx |  | xxxxxx A |
| 848109 | xxxxxx |  | xxxxxx D A B |
| 848159 | xxxxxx |  | xxxxxx D A B |
| 848278 | xxxxxx |  | xxxxxx A |
| 848541 | xxxxxx |  | xxxxxx A |
| 848604 | xxxxxx |  | xxxxxx C A B |
| 848696 | xxxxxx |  | xxxxxx C A |
| 848699 | xxxxxx |  | xxxxxx C A |
| 848993 | xxxxxx |  | xxxxxx A D |
| 849762 | xxxxxx |  | xxxxxx A D |
| 849768 | xxxxxx |  | xxxxxx D A B |
| 849769 | xxxxxx |  | xxxxxx A C |
| 849770 | xxxxxx |  | xxxxxx A D |

---

## Exhibit 99.43

**EXHIBIT 99.43**

**selene data compare report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 844194 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | LO signed on xxxxxx |
| 844194 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.681 | 0.674 | PITI is considered as per he supporting documents. |
| 844408 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type updated as per appraisal |
| 844687 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | As per 1004 its PUD also PUD rider available in file |
| 845328 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type updated as per Appraisal Document "Two to Four Unit". |
| 845339 | xxxxxx |  | xxxxxx | B1 Verified Citizenship Designation | fraudReportPage | Permanent Non-US Citizen | Perm Resident Alien | B1 Verified Citizenship Designation considered as per final document . |
| 845339 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property type attached hence property type considered as Town house. |
| 846106 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 799 | 793 | B1 with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score but 1008 considered the B2 score. |
| 846457 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 40.94 | 36.01 | HTI variance is due to loan being a Fixed I/O. Used Greater of Start Rate or Fully Indexed Rate at Fully Amortized Payment as qualifying method resulting in P&I discrepancy. |
| 846457 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.09 | 40.16 | DTI variance is due to loan being a Fixed I/O. Used Greater of Start Rate or Fully Indexed Rate at Fully Amortized Payment as qualifying method resulting in P&I discrepancy. GL Max DTI is 50%. |
| 846515 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.39 | 23.38 | Difference is less than .01%. Variance is due to the lender's rounding of some figures. |
| 846515 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2478.15 | 2110.16 | Tape data did not include the HOA Fee in calculation. |
| 846919 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.29 | 38.46 | 1003 considered the monthly payments from gap credit report. |
| 847031 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type confirmed with appraisal report. |
| 847031 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7853.25 | 7744.92 | PUD property with month HOA amount of $108.34 and It's not Escrows. |
| 847045 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 751 | 762 | Per guidelines use the mid score of the primary wage earner which is borrower 2 with a mid score of 751. |
| 847303 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5234.15 | 4315.51 | True data is correct, tape data shows only P&I amount whereas true data shows PITIA. |
| 847307 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Tape considered the disbursement date as note date. |
| 847307 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type confirmed with appraisal report. |
| 847307 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.21 | 14.30 | Tax amount is mismatch between 1008 and tax cer and calculated REO losses not matching with 1003. |
| 847307 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5009.31 | 3332.07 | Only flood insurance was escrows. |
| 847310 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 786 | 780 | QualifyingFICO as per Credit report is 786. |
| 847310 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 7.47 | 3.84 | First Mortgage P&I is not included in 1008. Hence there is a variance in HTI. |
| 847310 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.78 | 44.21 | First Mortgage P&I is not included in 1008 and All Other Monthly Payments considered as per latest credit report. Hence there is a variance in DTI. |
| 847441 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Vacant | Updated Property Type is PUD. |
| 847592 | xxxxxx |  | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | A+ | NonQM A+ 30 Yr | Confirmed - Loan Program match |
| 847603 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 847603 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.22 | 28.17 | Audited DTI is 26.2223% and lender DTI is 28.1657%. The difference is 1.9434%.<br>This difference is due to that lender considered below tradeline twice in their calculations per final 1003 : xxxxxx #xxxxxx with monthly payment of $40, and the inclusion of a $xxxxxx xxxxxx collection. |
| 847651 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 847651 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg#34 and PUD rider is on pg#400. |
| 847651 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.1 | 42.24 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 41.10% but Originator DTI is 42.24% Variance is 1.14% due to all other monthly payments in 1008 $1,371 and our calculated all other monthly payment is $1,270, Variance is $101 all other monthly payments updated as per Initial Credit report and Total Monthly Liabilities $3,641.68/ $8,861.25 = 41.10%. Originator consider Tradeline " CITI #8760 " monthly payment of $42 but it is closed in initial credit report. |
| 847651 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2371.68 | 2360.85 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $130/12=$10.83. |
| 847652 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Tape considered the disbursement date as note date. |
| 847652 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 659 | 645 | Per GL version 09/05/2025 page 36 - B1 with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score but 1008 considered the B2 score. |
| 847878 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note date. |
| 847878 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per 1008, DOT, appraisal. |
| 847878 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.82 | 17.51 | Received updated 1008 due to income being adjusted. DTI is in line at 23.73 with revised 1008. Is within tolerance. |
| 847878 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2737.9 | 2722.74 | True data is correct, tape data was not included HOA amount of $15.17 whereas true data shows PITIA. |
| 847925 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3310.75 | 3165.75 | Tape data did not include the HOA fee. |
| 847944 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 9.9 | 11.75 | HTI is updated as per Recent 1003 Document which which is matching with previous 1008 Document. |
| 847944 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.69 | 40.54 | DTI is updated as per Recent 1003 Document which which is matching with previous 1008 Document. |
| 848109 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 37.88 | 35.43 | Updated income causing DTI discrepancy |
| 848109 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.39 | 42.90 | Updated income causing DTI discrepancy |
| 848159 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property type confirmed with appraisal report as an Attached PUD Townhouse. |
| 848159 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.62 | 18.86 | Tax amount not matching between 1008 ($xxxxxx) and tax cer, IEAD, Payment letter ($xxxxxx) and calculated income not matching with 1003 & Income worksheet. |
| 848159 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1958.83 | 1805.83 | Tape Data did not include the HOA payment. |
| 848541 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg#24 and PUD rider is on pg#404. |
| 848541 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2645.43 | 2522.51 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $1,475/12=$122.92. |
| 848696 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 848696 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | True data is correct, property is PUD attached, hence updated as Townhouse. |
| 848696 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3036.39 | 2541.39 | True data is correct, tape data was not included HOA amount of $492.40 whereas true data shows PITIA. |
| 848699 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc on page # 418. |
| 848699 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.69 | 28.28 | Audited DTI is 27.69 and lender DTI is 28.28. The difference is 0.59 which is within the tolerance. |
| 848993 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date considered from note document. |
| 848993 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type considered per appraisal report. |
| 848993 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3561.04 | 3513.54 | Tape data excluding HOA fee in calculation. |
| 849762 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.74 | 36.27 | DTI variance is due to increase in All Other Monthly Payments. Updated as per gap credit report. |

---

## Exhibit 99.44

**EXHIBIT 99.44**

**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?** |
| 844194 | 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 |
| 844408 | 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 |
| 844409 | 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 | 8820.44 | Yes | Employed |  | No |  | No |  |
| 844687 | 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 |
| 844691 | 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 |
| 845328 | 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 | 11100.95 | Yes | Employed | Employed | No | No | No |  |
| 845339 | 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 |
| 846106 | 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 | 11731.31 | Yes | Employed | Employed | No | No | No |  |
| 846345 | 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 |
| 846346 | 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 |
| 846366 | 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 | 14479.31 | Yes | Employed |  | No |  | No |  |
| 846457 | 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 | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16591.92 | Yes | Employed |  | No |  | No |  |
| 846515 | 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 | 16890.55 | Yes | Employed |  | No |  | No |  |
| 846919 | 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 | 12992.24 | Yes | Employed |  | No |  | No |  |
| 847031 | 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 | 52618.88 | Yes | Employed | Not Employed | No | No | No |  |
| 847045 | 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 | 12568.37 | Yes | Employed | Employed | No | No | No |  |
| 847303 | 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 | 11467.85 | Yes | Employed | Not Employed | No | No | No |  |
| 847305 | 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 | 29989.52 | Yes | Employed |  | No |  | No |  |
| 847307 | 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 | 50749.58 | Yes | Employed |  | No |  | No |  |
| 847310 | 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 | 17956.35 | Yes | Employed | Employed | No | No | No |  |
| 847441 | 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 | 4728.23 | Yes | Employed |  | No |  | No |  |
| 847592 | 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 | 21419.76 | Yes | Employed |  | No |  | No |  |
| 847603 | 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 | 10707.47 | Yes | Employed |  | No |  | No |  |
| 847651 | 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 | 5219.57 | Yes | Employed |  | No |  | No |  |
| 847652 | 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 | 7214.85 | Yes | Employed | Employed | No | No | No |  |
| 847878 | 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 | 13024.34 | Yes | Employed | Employed | No | No | No |  |
| 847925 | 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 | 5232.63 | Yes | Employed |  | No |  | No |  |
| 847944 | 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 | 32614.46 | Yes | Employed |  | No |  | No |  |
| 848109 | 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 | 16145.07 | Yes | Employed |  | No |  | No |  |
| 848159 | 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 | 6121.04 | Yes | Employed |  | No |  | No |  |
| 848278 | 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 |
| 848541 | 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 | 9926.61 | Yes | Employed |  | No |  | No |  |
| 848604 | 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 | 18926.53 | Yes | Employed | Employed | No | No | No |  |
| 848696 | 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 | 32654.61 | Yes | Employed |  | No |  | No |  |
| 848699 | 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 | 17916.75 | Yes | Employed |  | No |  | No |  |
| 848993 | 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 | 7962.5 | Yes | Employed |  | No |  | No |  |
| 849762 | 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 | 5557.09 | Yes | Employed |  | No |  | No |  |
| 849768 | 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 | 38924.7 | Yes | Employed |  | No |  | No |  |
| 849769 | 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 | 6011.75 | Yes | Employed |  | No |  | No |  |
| 849770 | 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 | 53666.49 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.45

**EXHIBIT 99.45**

**selene VALUATIONs REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 844194 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-20-2025 | 1073 Individual Condo Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 07-24-2025 |
| 844408 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0526 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0526 | xxxxxx | Moderate Risk | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844409 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-01-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | xxxxxx | -.0398 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0398 | xxxxxx | Moderate Risk | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 09-01-2025 |
| 844687 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | 43.58 | 43.58 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-16-2025 |
| 844691 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |
| 845328 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-16-2025 | 1025 Small Residential Income Report | xxxxxx | 60.75 | 60.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-21-2025 |
| 845339 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | 74.99 | 74.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-10-2025 |
| 846106 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-29-2025 |
| 846345 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 07-29-2025 |
| 846346 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 08-06-2025 |
| 846366 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-24-2025 | 1073 Individual Condo Report | xxxxxx | 47.56 | 47.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 07-24-2025 |
| 846457 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0132 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-03-2025 |
| 846515 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-30-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 09-01-2025 |
| 846919 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 08-12-2025 |
| 847031 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847045 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | 84.0 | 84.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 |
| 847303 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 |
| 847305 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-15-2025 |
| 847307 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | 61.28 | 61.28 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-21-2025 |
| 847310 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 08-07-2025 |
| 847441 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 847592 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-19-2025 Eligible |  |  |
| 847603 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-18-2025 |
| 847651 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | 69.87 | 69.87 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 847652 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | 69.93 | 69.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847878 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 |
| 847925 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-02-2025 |
| 847944 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 08-26-2025 |
| 848109 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | 65.71 | 78.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 07-01-2025 |
| 848159 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 848278 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 08-08-2025 |
| 848541 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 |
| 848604 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | 83.33 | 83.33 |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | 08-26-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848696 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 |
| 848699 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 848993 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | 62.72 | 62.72 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 Eligible |  |  |
| 849762 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-20-2025 |
| 849768 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 849769 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-26-2025 |
| 849770 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |

---